vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: ADESA CORPORATION
State: TN

Complaint narrative:
My car was repossessed in XXXX due to me falling behind in payments. I fell behind in payments due to my being XXXX and losing my job. I have XXXX bulging discs and a herniated disc. I have sciatic nerve damage and numbness in my left foot and legs. I have other XXXX as well. XXXX XXXX XXXX told me that I would not be charged a fee for retrieving my personal items from the vehicle. XXXX XXXX XXXX is the lender and they hired a vendor. The vendor 's name is XXXX XXXX XXXX XXXX XXXX XXXX hired XXXX Kentucky XXXX XXXX XXXX to repossess my vehicle. I contacted XXXX Kentucky XXXX XXXX XXXX to retrieve my XXXX equipment and other personal items from the vehicle. They told me I must pay XXXX dollars to receive my personal property from the vehicle. However, I notified them I was XXXX and did not have the money to pay for ( MY ) personal items. They then got mad and canceled the appointment. My XXXX has become aggravated due to their intentional negligence and trying to take advantage of me. I demand these companies to be held accountable. 

Also, they sold my vehicle for XXXX dollars on XX/XX/XXXX. XXXX XXXX XXXX informed me I still owed XXXX dollars. However, my credit report still shows I owe XXXX XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: Newport Intermediate Inc.
State: IL

Complaint narrative:
After canceling XXXX I had a balance of {$91.00}. I called and asked for them to issue me a refund CHECK. I received a prepaid XXXX with my refund amount issued by XXXX I do not want a card, I want a paper check as requested. 
With the card that was sent there was XXXX options XXXX. Pay with your card or mobile wallet XXXX. Request a bank transfer and XXXX. Request a paper check. 
When I filled out the form ( XXXX times ) to have a paper check issued. Each time I clicked on submit, it had an error message service failed. I preceded to call the customer service number on the card. Another dead end. This call was received with an automated prompt to check the balance or report a stolen or lost card only. This card does not offer an option to talk to a real customer service agent. 
I called XXXX back and explained to them the card company that has issued me the card is a dead end. They explained it is out of their hands. 
Id like northland to issue a paper check in the amount of {$91.00} to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 2023-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I always paid on time, and this giving me XXXX, I neves miss  paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it.

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 2023-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
contacted company to request copies of account contract signed by me because I have to knowledge of these services or this account. They refuse to send me anything and advised I should file police report. I asked that this be removed from my report since they won't provide me proof of this debt or any disclosures with my name and signature. Tried to dispute through credit reporting agency but corrections not made.

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 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I received an email from XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX In this letter of denial of a rental, I was informed that my rental history was unsatisfactory or insufficient. In the email they indicated that that that information was obtained from Equifax Credit Bureau. 

I pulled my credit report from Equifax. There was no rental history listed. In my investigation of this information, I read that Landlords are not considered creditors and therefor do not necessary report such things. However, I was told that that was where it was obtained. I have no idea why when I pulled my credit report it was not there. 

Additionally, the apartment complexed used XXXX XXXX XXXX. The Apartment obtained my AI score from XXXX XXXX. Amazing! XXXX XXXX also reported inaccuracy in my credit report relating to my addresses, and gave a criminal background check to the Apartment. The XXXX were from XXXX and XXXX were reported to XXXX XXXX by XXXX XXXX XXXX XXXX. 

So I guess I want to report all three companies. I am not sure where XXXX XXXX XXXX XXXX are located ; however, they have a D with the XXXX 

The XXXX XXXX is located at XXXX XXXX XXXX. XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Consultants of California
State: CA

Complaint narrative:
I hope this letter finds you well. I am writing to file a formal complaint regarding a recent experience I had with Collection Consultants of California and XXXX XXXX XXXX XXXX, which has led to an unjust demand for payment of {$1300.00} despite providing sufficient evidence that the bill was already paid. 
On XX/XX/2022, I visited the XXXX XXXX XXXX XXXX XXXX XXXX seeking immediate medical attention. At the time of admission, I provided my insurance information, trusting that the hospital would accurately bill my insurance company with the appropriate codes for the services rendered. However, to my dismay, the hospital erroneously submitted the wrong codes to my insurance provider, leading to the denial of coverage for the services provided. 

As soon as I became aware of the billing issue, I promptly contacted XXXX XXXX XXXX XXXX to rectify the situation. After several attempts on XX/XX/XXXX at XXXX I talked to XXXX and she assured me that she would correct the billing codes and submit the revised claim to my insurance company. Despite this assurance, on XX/XX/2022 I began receiving harassing calls from Collection Consultants of California, demanding payment for the outstanding balance. 

In response to their persistent requests, I provided Collection Consultants of California with documentation proving that the bill had been paid in full by my insurance company. 

Despite sharing all the necessary evidence, Collection Consultants of California continues to pursue collection efforts against me. They have even reported this alleged debt to three major credit reporting agencies, negatively affecting my credit score and financial well-being. 

I believe that this entire situation has caused significant distress, inconvenience, and damage to my financial reputation, all of which are undeserved due to the errors committed by XXXX XXXX XXXX XXXX and the unwarranted actions taken by Collection Consultants of California. 

Therefore, I kindly request the Consumer Financial Protection Bureau to intervene in this matter and investigate the practices of both Collection Consultants of California and XXXX XXXX XXXX XXXX. I seek your assistance in resolving this issue and having the erroneous debt claim removed from my credit reports. 

Enclosed with this letter, you will find copy of my insurance showing that I do not owe anything to XXXX XXXX XXXX XXXX. 



I hope that the Consumer Financial Protection Bureau can mediate this matter swiftly and ensure that justice is served. Please keep me informed of any progress made in this investigation and any actions taken to resolve the situation. 

Thank you for your attention to this urgent matter. I look forward to your prompt assistance and a favorable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC
State: SC

Complaint narrative:
Signed a loan for U.S auto sales. Currently paying for warranty and gap insurance. U.S auto sales randomly closed down. The warranty Im paying for doesnt exist and the gap insurance I pay for doesnt exist either. None of my payments have been going to my car loan. My car was illegally repossessed twice. They denied my auto claims for me to get my car fixed even though I was paying for warranty. Trunk wont close and they never fixed my broken tail light

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 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: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-08-03 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: NJ

Complaint narrative:
In accordance with the three credit reporting acts, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy15 U.S. Code 1681s2 -. It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666 B ( A ) creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late foranypurpose.

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 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I want to make it clear that I am genuinely serious about taking legal action against your company if necessary. I have diligently sent multiple certified letters requesting the removal of inaccurate information from my file, which have unfortunately been ignored. It is crucial to understand that making false threats of a lawsuit is a crime, and I assure you that my intention to pursue legal action is sincere and justified.

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 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I want to make it clear that I am genuinely serious about taking legal action against your company if necessary. I have diligently sent multiple certified letters requesting the removal of inaccurate information from my file, which have unfortunately been ignored. It is crucial to understand that making false threats of a lawsuit is a crime, and I assure you that my intention to pursue legal action is sincere and justified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the three credit reporting acts, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy15 U.S. Code 1681s2 -. It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666 B ( A ) creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late foranypurpose.

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 2023-08-03 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03 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: CA

Complaint narrative:
I have disputed and haven't received any results or even no disputes are opened up.

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 2023-08-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-08-03 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: MI

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have two accounts being collected by Midland Credit Management for XXXX XXXX accounts that were not my accounts prior to being sold to Midland. I notified XXXX XXXX of this prior to the debt being charged off and they confirmed the debt was written off as identity theft, NOT as a balance owed under my name. 

I have spoken to countless individuals at Midland, XXXX XXXX, and disputed via my credit bureaus in an attempt to get this information corrected, but more than two years later, the accounts still show on my credit report under the collections section. I'm first referred to XXXX XXXX to have the balance corrected, yet XXXX XXXX then refers me back to Midland since the debt is no longer theirs. Yet no one can seem to point me properly to the right place to get this corrected. 

I would like to say that everyone at Midland has been pleasant, unlike other debt collection companies I've dealt with ( so thank you for hiring professional people ). Unfortunately, they do not seem to be able to help me resolve the issue at hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 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: DISCOVER BANK
State: FL

Complaint narrative:
I made a payment of {$32.00} on XX/XX/2023, which would have been the final payment on my account, bringing my account balance to {$0.00}. This was after speaking with " XXXX in Arizona '' and determining that my account would not receive charging privileges again. XXXX stated that if I made my payment, the account would be closed and REMOVED from my credit report. However, instead, the account was NOT removed, the balance has escalated well beyond the {$32.00} that was due, and no one can seem to explain why. The {$32.00} was never deducted from my account as I authorized. 

In addition, I'm receiving calls for a " XXXX XXXX '' ( who I am not ) from various Utah and Arizona phone numbers. When I answer, they state they are not looking for " XXXX XXXX '' but " XXXX XXXX '' so I have no idea if it's about this balance or not. I have several voicemails saved with them seeking this individual. I've received calls from XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and more.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I Sent a Identity theft alfadavit form to XXXX, XXXX, and XXXX on XX/XX/2023. Listing the following accounts as identity theft : XXXX XXXX XXXX # XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX XXXX  XXXX XXXX Account # XXXX XXXX XXXX XXXX  XXXX. Account # XXXX XXXX XXXX  XXXX Account # XXXX This now my second time sending in a identity theft alfadavit disputing these accounts There is an attachment for XXXX XXXX XXXX XXXX Account XXXX XXXX showing they were ceasing the collection for the debt and removing it from all bureaus and have not yet. I have also seperately online disputed these accounts as well with XXXX  and XXXX and XXXX but they keep coming back fromt the creditor as verifed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 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: GA

Complaint narrative:
THIS ACCOUNT GIVING ME XXXX  I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..

Company response to consumer: Closed with non-monetary relief