vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: OH

Complaint narrative:
False fees car was returned in mint condition. I asked Nissan multiple times to prove the validity of there fees. They sent documents but nothing proving the fees they were charging me the {$1700.00} that sits on my credit, this is stopping me from getting a loan with a good interest rate especially in today 's environment and have even stopped me from getting a loan all together. Please stop them from continuing to hurt my future.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
I was with XXXX XXXX until I closed my account in XXXX. I entered the store, closed my account, and paid the final balance. It was paid in cash and I was given a receipt. Once again this was done in early XXXX. They are sending me an invoice from XX/XX/ and I closed the account and paid the final balance in full in XXXX of XXXX. 
I am now receiving collection letters from companies Resurgent and XXXX XXXX stating that I owe {$1200.00}. This is 13 ( thirteen ) years later? 
I do not have the original receipt from paying the account. Who keeps a receipt from 13 years prior? 
I have requested documentation bearing my signature and they refuse to produce. I get an old bill that is not even the correct amount and is months later than when I closed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In XXXX of XXXX XXXX XXXX XXXX XXXX who represents XXXX XXXX XXXX XXXX filed for foreclosure under case ID XXXX. After XXXX XXXX XXXX XXXX failed to provide requested information. A active and ongoing dispute was filed with the courts and all payments have been suspended. However the home owner XXXX XXXX has paid the property taxes in full up till the year XXXX and has paid his home owners insurance in full for the past year and current year XXXX XXXX - XXXX this payment was made on XX/XX/XXXX to XXXX insurance under policy number XXXX. However XXXX again fraudulently made a payment on XX/XX/XXXX XXXX the question is where did they get the money to pay for insurance if no mortgage payments were allegedly made, And if mortgage payments were made None of them would be late as they try to claim. XXXX is trying to place XXXX XXXX into debt by making fraudulent payments after he has paid in full and forcing the insurance company to refund him back his escrow payments. Which would place him behind on payments because XXXX fraudulently made a extra payment and removed the precious escrow payment made by the home owner XXXX XXXX. XXXX is XXXX XXXX  on trying to raise the mortgage payments too cause default.

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 2023-07-29 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: GA

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOL Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENE to subsection ( c ) any consumer reporting agency may furnish a consumer report u following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of tI accounts listed IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want these inquiries deleted immediately as they are in violation of my consumer rights 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 2023-07-29 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: GA

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOL Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENE to subsection ( c ) any consumer reporting agency may furnish a consumer report u following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of tI accounts listed IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want these inquiries deleted immediately as they are in violation of my consumer rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-29 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The letters are stated with items and issues. 

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 2023-07-29 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-29 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: SLM CORPORATION
State: NJ

Complaint narrative:
Sallie Mae has been providing misleading advertisements about scholarships through their scholarship programs and platforms such as XXXX and XXXX. Sallie Mae has not made students aware of scholarship displacement, a practice that postsecondary institutions use to force students who have received outside scholarships into additional student loan debt or make them drop out of college. Sallie Mae has known about the practice for years and continues to mislead students knowing that the students will become victims of scholarship displacement. Sallie Mae uses their scholarship platforms, XXXX and XXXX, to force students to get their loans once they become victims of scholarship displacement. Sallie Mae must be investigated for their misleading and predatory advertisements and practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 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: FIFTH THIRD FINANCIAL CORPORATION
State: AR

Complaint narrative:
After receiving a copy of my consumer report, I concluded that XXXX Fifth Third Bank Acct # XXXX Violated 15 U.S. Code 6802 Rules of Construction for VIOLATION OF SECTION ( b ) OPT Out section ( B ) ( C ). 

( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( b ) OPT OUT ( 1 ) IN XXXX financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

In addition, XXXX continues to re-age this debt by reporting recent payments that has not been applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I bought my house XX/XX/XXXX On XX/XX/XXXX I met a man named XXXX XXXX who committed mortgage fraud, identity theft, mail fraud, tax fraud and marriage fraud. 
And still up to this date impersonating me and misusing my personal information to continue committing crimes against me. 
I have reported the crime to the authorities and the IRS and every company I can think of reporting this crime. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I keep getting harassed by resurgent capital and XXXX XXXX  for a XXXX  debt I never had and never used. I have asked for verification numerous times and they keep sending me inadequate verification and no real verification like a sworn affidavit of account from original creditor etc. a matter of fact their debt buying contract says that the original creditor does not warrant these accounts and they know it. See attached verification they sent which is an account summary they created! These companies should be investigated and XXXX down for their predatory tactics and I can not imagine how many people in this country they have scammed that doesnt know the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
They finally took the incorrect individual off of my social, but now I don't even have access to my own social or credit report in itself. My social is literally just a sitting duck with no identity on it. So as easy as they somehow added the wrong individual on there, I'd love if they could add the correct person on there

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 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: MOHELA
State: DE

Complaint narrative:
Hello, yes, I had my student loans with XXXX. Originally, and now there was XXXX. Or however, you spell that, and they are on my credit report. XXXX XXXX XXXX years with XXXX, they've been in my credit. Since XXXX XXXX, which is over 10 years, they were sent to another creditor, not the original lender. I actually am on XXXX. I sent over a request to be approved for XXXX  XXXX. 
Approval from my student loans to be removed from my credit. I sent the doctor 's note over from my physician. As well as the information from social security they denied. I'm still on XXXX. This is past the 3 years I had an income repayment of 0. Now I got ta income repayment. That I have to pay {$360.00} a month. When I'm below income XXXX XXXX. There is over {$65000.00} on my credit report. That is preventing me from getting a mortgage. Any credit any type of anything above water? I need your help to get this taken care of ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 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: SC

Complaint narrative:
In ac cordance 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. The letters are stated with items and issues. 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 th at 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 2023-07-29 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Personal Finance Center
State: GU

Complaint narrative:
ACCOUNT RESOULUTION GROUP There sending letters that i will be sued. THIS IS A IN HOUSE SERVICE FOR XXXX XXXX  I have sent them a notice to verifies this debt. with no responses These services are unknow junk services late fees tack on The loan was paid in full XX/XX/2023, a XXXX LOAN 60 MONTHS XXXX A MONTH, XXXX XXXX PAID BACK XXXX XXXX behind this letter. Tell me what these charges are for YOU NEED TO INVESTGAT THIS FIRM NOT SOME NICE LETTER TO THEM SHOW SOME RESOVEL

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 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: LA

Complaint narrative:
XX/XX/XXXX said I opened the credit card in 2017 at first I didn't remember it was so long ago but I have to consulting with my attorney we have determined it was fraud police were contacted also I contactedXX/XX/XXXX they said it was sold toXX/XX/XXXXXX/XX/XXXX I disputed both agencies because XX/XX/XXXXstill reporting on my credit report so if it was sold why is it still reporting on my credit report also it is fraud I don't remember taking this credit card it is almost XXXX years old plus the balance is more than the credit card itself please fix this issue this is stopping me and my wife and my family from getting our home our first home I am XXXX it's hard for me and it's stressing me out the company isXX/XX/XXXXXX/XX/XXXX it is reporting twice on my credit report they are charging me twice XX/XX/XXXX is and also XXXX XXXX XXXX XXXX is charging for this fraud

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 2023-07-29 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: LA

Complaint narrative:
XXXX XXXX XXXX  said I opened the credit card in 2017 at first I didn't remember it was so long ago but I have to consulting with my attorney we have determined it was fraud police were contacted also I contacted XXXX XXXX they said it was sold to XXXX XXXX XXXX XXXX I disputed both agencies because XXXX XXXX still reporting on my credit report so if it was sold why is it still reporting on my credit report also it is fraud I don't remember taking this credit card it is almost XXXX years old plus the balance is more than the credit card itself please fix this issue this is stopping me and my wife and my family from getting our home our first home I am XXXX it's hard for me and it's stressing me out the company is XXXX XXXX XXXX it is reporting twice on my credit report they are charging me twice XXXX XXXX XXXX is and also XXXX XXXX XXXX XXXX is charging for this fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX said I opened the credit card in 2017 at first I didn't remember it was so long ago but I have to consulting with my attorney we have determined it was fraud police were contacted also I contacted XXXX XXXX they said it was sold to XXXX XXXX XXXX XXXX  I disputed both agencies because XXXX XXXX still reporting on my credit report so if it was sold why is it still reporting on my credit report also it is fraud I don't remember taking this credit card it is almost XXXX years old plus the balance is more than the credit card itself please fix this issue this is stopping me and my wife and my family from getting our home our first home I am XXXX it's hard for me and it's stressing me out the company is XXXXXXXX XXXX XXXX it is reporting twice on my credit report they are charging me twice XXXX XXXX XXXX  is and also XXXX XXXX XXXX XXXX is charging for this fraud

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