vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
XXXX and Equifax are refusing to conduct any investigations into my disputes regarding false late payments. I have been disputing since XX/XX/2021. Each time they Verified as accurate. When I called the representatives admitted to seeing the inaccurate late payment statuses but referred me to the original creditor. So, finally, I had XXXX separate Artificial Intelligence ( AI ) credit monitoring services and XXXX XXXX  which revealed that Equifax is reporting XXXX Late Payments and XXXX is reporting XXXX Late Payments. These late payments are being updated every month. I have asked for proof of all late payments and the method of verification. I have been denied by both agencies. These late payments are a blatant and deliberate Lie!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: AL

Complaint narrative:
Freedom mortgage company did not charge insurance policy for 3 years. There were 2 a year, house, and hurricane wind policy, and they paid both, but because they didnt resolve escrow each year, did not charge me for wind policy, or did an escrow analysis for 3 years. XXXX XXXX they found their mistake, and want me to pay from XXXX monthly to XXXX monthly, because they never did escrow and find their mistake for 3 years. I dont think I should have to pay all at once for their error not applying insurance to me for 3 years. I can not afford that huge increase, in payments and ask for the amount to put at end of loan, and try and help me. My insurance company found the error talking to freedom mtg. Company insurance dept. they said u need to talk to escrow dept, and they refused to talk to me. The last lady at freedom mtg put in second request to spread over more months. I am waiting for their response., but fear it will be past XX/XX/XXXX when payment is due. They already said no once, but didnt refer to other gentlemen that ask for that a few days prior. Just got a message to pay that lump insurance amount sum, or pay XXXX. Monthly until the escrow is paid. They even one year said I paid too much escrow and gave me XXXX back 1 year. Very strange. Said I had to cash it. I should not be in a position to not be able to pay my mortgage because of their error of not doing my escrow analysis, and them missing second policy. I am already paying a bankruptcy, and until that is finished, I do not have the almost XXXX extra dollars to give them for their mistakes. Isnt it a law to do escrow every year? I want it applied to end of loan, because not my error, they made a big error. I was very sick last few years, confined to bed, or wheelchair, had XXXX last XXXX, and just got better from XXXX, and I didnt catch the error.. my life was on autopilot. XXXX needs to help me, and so far they only charged me for leaving out a insurance policy, they missed for 3 years, and I dont have that amount. I am researching what law or policy they broke for not doing escrow on me every year, and paying the XXXX policies for 3 years. Not fair, and I dont want to lose my house because of their mistakes. If they had done correct escrow, I would not owe such a huge amount, all at once for their negligence of not doing escrow, and not paying that XXXX policy to escrow for me to pay. My insurance has all the documentation, as well as taped calls of them finding the errors. Please help

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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX Balance : {$770.00} XXXX  XXXX XXXX Balance : {$1300.00} XXXX  XXXX XXXX XXXX : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$690.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$690.00} XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Perpay, Inc.
State: OR

Complaint narrative:
So i used this company to buy a tv which is a buynow pay later app. It was great then i lost my job and had fallen behind in payments but i remained in contact with them and paid it off when i had been able to get employed again. I have been since then been told I would no longer be allowed to use their services due to the past delinquencies on my account so I finally gave up and was shocked because I paid them off still and i really liked the services. Well on XX/XX/2024 i get an email from this said company saying that my spending limit was increased to {$950.00} and to come use their services and listed items saying our top picks for you. So i went to go log back into my account which has been deactivated due to non use by the company so i ask for them to reactive my account which they did and then i update my information and shop and goto use my credit limit given to me by the company and it gets denied. Says to try again so i change my items again and it goes denied. So i then message them and ask whats going on and they told me the same thing as before that the approval department informed them that I no longer will be allowed to use their services due to past delinquencies with my account. So then i ask well then why did you guys send me an email saying my spending limit was increased in the first place if you were just going to deny me? That seems very unfair. And they never answer me back. So they are giving me credits to use that i can not use for reasons that make no sense to me because i have no delinquencies with them at all and i paid them off in full for the past item i had gotten from them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting 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:
Im submitting a complaint to you today to inform you of the fraudulent accounts and information you are reporting on my Credit File that has damaged my Credit Worthiness. I researched on how to remove the fraudulent items from my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any accounts and information listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : : XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, NV, XXXX : XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$1300.00} : XXXX XXXX XXXX Open Date XXXX XXXX, XXXX Balance : {$1000.00} : XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$680.00} : XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened XX/XX/XXXX Unpaid Balance {$1400.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Unpaid Balance {$970.00} XXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX Unpaid Balance {$830.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Unpaid Balance {$770.00} XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXX Unpaid Balance {$740.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX I have read that according to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted due to fraud, not later than 4 business days after the date of receipt.

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 2024-02-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I keep getting these emails saying I owe Speedy Cash for a loan payment I never applied for or received any paperwork or funds bur they are trying to collect

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: MI

Complaint narrative:
LexisNexis continues to report inaccurate information my name is XXXX XXXX XXXX there should be no other name on my report. My address is XXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX there should be no other address on my report. Delete any other address that is present on my report. 

Remove any numbers listed on my report. My only employer is XXXX XXXX and XXXX XXXXXXXXXXXX XXXX XXXX remove any other employer it is not mine. 

You are required to report accurate information stop requesting my ID and SSN I have attached them to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 At the time these inquiries were filed a report, a XXXX card report was filled with my bank. I am requesting that this information is removed because this was an unauthorized transaction and identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting 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:
XXXX and TransUnion are reporting an account that is not mine. I never owed XXXX XXXX collecting for XXXX XXXX XXXX. I was not contacted by anyone regarding this debt or givin the chance to Verify the debt. I was not a resident of Georgia when it was reported in 2023, nor did I give anyone permission to open an account in my name

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 2024-02-29 00:00:00
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Payfare International Inc.
State: AZ

Complaint narrative:
I have a dasher direct prepaid card that was provided to me my XXXX so that I can immediately receive my wages. I have had this card for a few months and have had no issues until now. 

On XX/XX/XXXX I tried using my card at XXXX in the box for a small order ( around $ XXXX ) but it kept getting declined. I initially thought there was something wrong with the restaurants system, so I went to sonic and the same issue kept happening. I contacted door dash support and the representative asked me XXXX security questions ( due to her thick accent I had a hard time answering the first question, but immediately provided the correct answer once she repeated herself slowly ). The representative then stated a hold was placed on my card by a third party. I asked if there was anyway to get it removed and she said yes, but that I would have to be escalated. She then transferred me Since I had to get back to work, I was unable to stay on hold so I disconnected with the intention of calling again after work. Later that evening, I called again and spoke to another representative who stated that my situation had to be escalated and that I would be receiving a call from the escalation team within XXXX business days. 

On XX/XX/XXXX, I called XXXX support again because I had not yet heard from the escalation team. I told the representative that I needed this resolved today as this was my third time calling and by this point it has been past the XXXX business day timeframe provided. The representative asked me XXXX security questions ( XXXX that I never choose as a security question and the other I know for a fact I answered correctly ). The representative then stated that I answered both incorrectly and since he could not verify my identity, there was nothing he could do. I asked to speak to someone above him and was told a supervisor would call me in XXXX hours, the representative then hung up. 

This has caused a huge inconvenience to me. I I have funds on this card that I have been unable to access due to this and it is causing unnecessary stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
On XX/XX/XXXX a request for Opt-out 15usc 6802-6805 was made as well as other request such as A request of Removal of student loan reporting. 
For it is a violation of educational and privacy act which states school will not provide transaction history to any 3rd party Upon Family and Educational Privacy act of 1974 my legal rights were violated. 
Inquires as well was requested on XX/XX/XXXX to be removed per 15usc1681 permissible purposes Request to remove all original information except for current address XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX There is multiple addresses that is on my credit report that is a non mailable address Reporting agency was unable to provide me with where they got the address from as per Privacy Act 1974. 
A charge off is reported on my credit report. A charge off is considered a Certificate of Indebtedness which means it is income and income cant be reported to credit report and must be removed. 
It is illegal to report transaction history.

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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX a request for Opt-out 15usc 6802-6805 was made as well as other request such as A request of Removal of student loan reporting.

For it is a violation of educational and privacy act which states school will not provide transaction history to any 3rd party Upon Family and Educational Privacy act of 1974 my legal rights were violated. 
Inquires as well was requested on XX/XX/XXXX to be removed per 15usc1681 permissible purposes Request to remove all original information except for current address XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX There is multiple addresses that is on my credit report that is a non mailable address Reporting agency was unable to provide me with where they got the address from as per Privacy Act 1974.

A charge off is reported on my credit report. A charge off is considered a Certificate of Indebtedness which means it is income and income cant be reported to credit report and must be removed. 
It is illegal to report transaction history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting 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:
XXXX {$1300.00} ( XXXX ) XXXX XXXX XXXX {$540.00} ( XXXX ) XXXX XXXX XXXX XXXX {$8100.00} ( XXXX Reached out for documentation associated with the status of the accounts.Looked at my consumer report and we all closed and charged off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
XXXX {$1300.00} ( XXXX ) XXXX XXXX XXXX {$540.00} ( XXXX ) XXXX XXXX XXXX XXXX {$8100.00} ( XXXX Reached out for documentation associated with the status of the accounts.Looked at my consumer report and we all closed and charged off.

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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CORELOGIC INC

Complaint narrative:
I am writing to formally request the freezing of my account 's. Due to inaccurate information in my credit report, I believe it is in my best interest to temporarily freeze the account until the matter is resolved. 
I kindly request the Consumer Financial Protection Bureau 's assistance in facilitating this freeze and ensuring the necessary steps are taken to protect my financial security.

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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax and XXXX are reporting an account that is not mine. I never owed XXXX XXXX collecting for XXXX XXXX XXXX I was not contacted by anyone regarding this debt or givin the chance to Verify the debt. I was not a resident of Georgia when it was reported in 2023, nor did I give anyone permission to open an account in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX and XXXX are reporting an account that is not mine. I never owed XXXX XXXX collecting for XXXX XXXX XXXX. I was not contacted by anyone regarding this debt or givin the chance to Verify the debt. I was not a resident of Georgia when it was reported in 2023, nor did I give anyone permission to open an account in my name

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 2024-02-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Americas Car-Mart, Inc.
State: IL

Complaint narrative:
I bought a vehicle from a buy here/pay here company in XX/XX/XXXX. I know it was high interest and I would be paying too much but I didn't have good credit and didn't have many options. It had electrical issues from the beginning but was ok until about XX/XX/XXXX, and by XX/XX/XXXX it was completely broke down. I had to pay for rides to work, which is XXXX XXXX XXXX about XXXX miles, sometimes {$50.00} one way. I called them, asked about trading in for different vehicle, they could not do that, I also asked for their mechanic to fix it and add on to my bill, they said no. They said I still owe too much. I have made FIFTY on time automatic payments, so that is a minimum of {$12000.00}. That's not even counting the whole other issue of insurance they kept charging me for even though they carry insurance on the car no matter what, so if it's wrecked or repossessed they get paid and then sell it again. They say I still owe {$7000.00}. I'm not trying to argue about the fact that this car is barely worth {$3000.00}. I just want to give the car back for the payoff and be done. I think they should take the car, report my account as paid off, I have more than paid for what it is worth, I wouldn't be able to sell it, if it was running, for more than {$3000.00}. I have paid like {$13000.00} with the " insurance payments ''. I have to be able to get to work, I had to buy another car, so I need them to take the car and close my account. Please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation