vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-20 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: IL

Complaint narrative:
The dollar amount that equifax is reporting they received from the sale of the car at auction. 

Rule 609- under 1041 any payments including payments from a third party can be verified. I want the actual receipt signed from the auctioneer for when this car was allegedly sold at auction. 

The amount received has changed even after the creditor verified as accurate. 

I also have the XXXX report for this car. This car has never been sold at auction. And in addition to this the title holder before XXXX from when I had the vehicle financed was another XXXX. So therefore it was not commercially sold. Also, I was never notified of this auction as according to Illinois law. 

XXXX XXXX account is now stating XXXX XXXX and XXXX XXXX XXXX XXXX is XX/XX/XXXX which give the appearance of this loan being reinstated. I never received my car back even through I was not in default. I want to see my signature on loan papers for XXXX XXXX or this account will need to be deleted. The account I signed for and am disputing is XXXX XXXX XXXX where I had 14 months of payments. 14 months of balance history. XXXX XXXX XXXX XXXX for XXXX XXXX XXXX is XX/XX/XXXX but should have been XX/XX/XXXX, not a month after my car was wrongfully repossed which Equifax did state but cant update since XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I got fraud from XX/XX/year> at Chase Bank, the fraud people charge my account for {$9000.00}. What they did is access my XXXX XXXX  Its a long story and chase bank knows about the situation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: PA

Complaint narrative:
It appears account was reported 30 days late XX/XX/XXXX last updated on XX/XX/XXXX. I applied for the accounts to go into forbearance or deferment status due to financial hardship. The account is currently closed. 

XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
CFPB, Good morning someone needs to investigate Trans union, company they are continuing not to update information that I've explained to them. I'm missing 5 months of rent reporting. WASHINGTON REALSTATE I has sent TransUnion the missing information. Also I'm gon na upload attachments. My rent has been paid on time, my credit score has not moved and it's been 2 months enough is enough.

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 2024-07-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MARINER FINANCE, LLC
State: GA

Complaint narrative:
As as Federally protected consumer my privacy rights are being violated under the PRIVACY ACT OF 1974 As a federally protected consumer according to the IRS Article, a charge-off is considered a certificate of indebtedness, which means it is treated as income and Im requesting for the account to be updated payed as agreed As a federally protected consumer Per 15 USC 6801 states that it is illegal to report transaction history. This is because Congress has a policy that financial institutions must protect the security and confidentiality of their customers ' non-public information and respect their privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 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: PR

Complaint narrative:
The following account is not my account American first finance. XXXX Remove this account because is not mine

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 2024-07-20 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: GA

Complaint narrative:
UPON ME REVIEWING MY CREDIT REPORTS I NOTICE ACCOUNTS AND ADDRESSES THAT ARE NOT MINE

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 2024-07-20 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: FL

Complaint narrative:
I am now requesting proof of the previous investigation. ( XXXX XXXX ) XXXX asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Monterey Financial Services LLC
State: AZ

Complaint narrative:
On XX/XX/XXXX I used XXXX to finance the purchase of a XXXX XXXX XXXX from XXXX XXXX AZ. The loan amount was {$760.00}, XXXX passed the loan to Monterey Financial ( Account XXXX ), and I paid it off XX/XX/XXXX. 

XXXX days after paying off XXXX XXXX Monterey ( Account XXXX ), I applied again through XXXX, XXXX again make a purchase from Tactical Studio AZ and again purchase a XXXX product XXXX this time a XXXX Prodigy XXXX I was approved XX/XX/XXXX to borrow up to {$2000.00} from XXXX. I then completed the XXXX XXXX purchase through XXXX XXXX AZ for {$1400.00}. 

I received notification that my loan was once again sent to Monterey Financial ( Account XXXX : XXXX ), and upon logging in to manage my loan I saw Monterey showed my balance as {$3300.00}. I then sent them an email with my receipt and asked them to correct the balance, to which they responded the lease amount was correct. 

This is when I realized Monterey Financial had engaged in intentionally deceitful lending practices to obtain over double the amount of a purchase price, as well as finance over {$1300.00} more than I was approved for. 

I immediately called and told Monterey Financial I had no intention of entering into a lease, I did not even think a lease in this scenario was possible, I expressed I didnt even understand what they meant by lease, and that because I felt they intentionally deceived me I would like to turn in the lease. Monterey advised that I would need to contact XXXX XXXX AZ. Frustrated, I called XXXX XXXX AZ and informed them I was unhappy with XXXX partner, Monterey Financial, and I would like to turn in my lease. XXXX XXXX AZ informed me, they do not have the ability to return a firearm as it is a federally, serialized, registered product. 

Monterey Financial intentionally deceived me into a financial product that I didn't even know existed or could exist, in order to loan me more than I was approved for, with financing in excess of double the cost of the actual purchase amount. They were able to do this by simply stating you signed in agreement, which is not true. I signed in absolute confidence and trust, that I was mimicking the loan I had paid off just 4 days earlier, by purchasing from the same retailer ( XXXX XXXX AZ ) using the same financial service ( XXXX ) for the purchase of a product from the same manufacturer ( XXXX ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
Complaint against XXXX XXXX as XXXXXXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( GSAMP XXXX ) and demand to return original Promissory Note, original Mortgage, all original Allonges and original Assignments of Mortgage and wet-ink signed by an authorized employee of the Creditor release of all liens after property located at XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX IL XXXX was sold in XX/XX/XXXX. 

On XX/XX/XXXX unknown to me parties allegedly " transferred '' servicing to for my alleged " loan '' to Specialized Loan Servicing, LLC ( " SLS ) now NewRez/Shellpoint owned be XXXX XXXX XXXX  which was three months after my property was illegally foreclosed and sold. to a XXXX XXXX  buyer for cash in XX/XX/XXXX I demand XXXX XXXX  as Trustee and NewRez as successor to faux servicer SLS to return my original Note, original Mortgage, original Allonges and Assignments and provide me wet-ink signed by an authorized employee ( accountant or bookkeeper ) of the Creditor release for all liens and demand to stop selling any securities, derivatives, options, futures, swaps, ect - backed by my personal information. 

I demand a respond from an authorized human employee of the Creditor who has first hand knowledge about all transactions and transfers. No Artificial Intelligence [ robots ] responses from " teams '' or " departments '' at large.

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 2024-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: AL

Complaint narrative:
My XXXX, 2024 bank card statement from Barclay 's Bank showed a transaction for {$100.00} paid to XXXX XXXX XXXX XXXX XXXXXXXX XXXX I did not make that charge. I live in Alabama and have my credit card in my possession. I called Barclay 's Bank Fraud Department at XXXX XXXX  on XX/XX/year>. I was told that they would send me a new card immediately and will investigate the transaction that was made. I told the representative that I would not activate the new credit card until they resolved this issue. 
When my XXXX, 2024 bank card statement came, Barclay 's Bank showed that my account was delinquent and they added both late fees and interests to my account. I called on XX/XX/year>, and was told that they were still investigating. I asked why late fees and interests were being applied to my account since the fraudulent transaction was being investigated. The response was that Barclay 's Bank would take off the late and interest fees from my account, but I had to activate the new card that was sent to me. I activated the card, Fees and interest charges were subtracted. However, the {$100.00} transaction that's in dispute, remains on my statement. 
I received a credit report from XXXX XXXX XXXX showing a decrease in my credit score of XXXX points and it also showed my Barclay 's Credit Card as being 30 days delinquent.

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 monetary relief
Consumer complaint received 2024-07-20 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: GA

Complaint narrative:
During a recent review of my credit report, I found several fraudulent accounts. Please delete these entries from my report, as they are preventing me from getting credit. I do not know these accounts. 

Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX Balance : {$6000.00} Opened Date : 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 non-monetary relief
Consumer complaint received 2024-07-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Berlin-Wheeler, Inc. (Kansas)
State: GA

Complaint narrative:
I paid debt off. I received letter stating debt was paid. It still showing on my credit as a collection

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 2024-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
In XXXX of XXXX I was informed by Navy Federal that I had to contact XXXX XXXX  XXXX XXXX regarding credit card debt. In XXXX I requested proof of debt. In XXXX of XXXX XXXX XXXX  XXXX XXXX sent me a pack of blank papers which was not proof of debt. On XX/XX/XXXX I received proof of debt. On XXXX XXXX. I was served papers being informed that I was being sued. I contacted XXXX XXXX  XXXX and inquired about the civil suit stating that I didnt receive proof of debt until XX/XX/XXXX, and by law I had 30 days to dispute debt. A representative at XXXX XXXX  XXXX informed me that they submitted the suit on XX/XX/XXXX XXXX days prior to sending me adequate proof of debt. The representative stated that they sent me proof of debt on XX/XX/XXXX, and I informed them I was not sent proof of debt thats why they sent it again on XX/XX/XXXX. The representative stated she did see where proof debt was sent on XX/XX/XXXX and XX/XX/XXXX but she was unsure why. I have not heard back from XXXX XXXX  XXXX XXXX since XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-20 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: GA

Complaint narrative:
UPON ME REVIEWING MY CREDIT REPORTS I NOTICE ACCOUNTS AND ADDRESSES THAT ARE NOT MINE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Was approved for a loan, but didn't receive money — 
Company: CCF Intermediate Holdings LLC
State: GA

Complaint narrative:
XXXX about XXXX XXXX, gave me XXXX to transfer title, I had problems due to me being licensed in another state. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 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: Westlake Services, LLC
State: GA

Complaint narrative:
I have never had a loan or contract with Westlake financial mgmt. I have requested a contract in the past and have been sent 2 contracts that are not me.

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 2024-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am filing a complaint against Portfolio Recovery Associates for continued debt collection harassment when I am not the person they seek.

For the past three years or more, I have been receiving calls from Portfolio Recovery at least once or twice daily. Despite informing a representative a few years ago that they have the wrong number, wrong person, the calls have persisted. 

These calls are not only disruptive to my personal life but also cause significant professional concern. As a leader/manager at my company, having " Portfolio Recovery '' appear on my XXXX XXXX and XXXX screen undermines my credibility with my team. 

Furthermore, the relentless nature of these calls, despite being informed I am not the intended recipient, constitutes harassment. I am not the individual they are seeking, and I urge the CFPB to investigate these practices by Portfolio Recovery Associates. 

I request your assistance in stopping these calls and ensuring they do not continue in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-20 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: NJ

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 

This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here the item I am asking you to verify as accurate. 

XXXX XXXX XXXXXXXX - 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 2024-07-20 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: VA

Complaint narrative:
Hello, my name is XXXX XXXX. 

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have never had a loan or contract with XXXX XXXX XXXX. I have requested a contract in the past and have been sent XXXX contracts that are not me.

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 2024-07-20 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: NJ

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 

This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate. 

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 2024-07-20 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:
During a recent review of my credit report, I found several fraudulent accounts. Please delete these entries from my report, as they are preventing me from getting credit. I do not know these accounts. 

Account Name : 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 XXXXXX/XX/year>

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 2024-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: WA

Complaint narrative:
National Credit Adjusters are damaging my credit by using fraudulent documents with a copied signature and typed-in date. Despite settling and closing my account with XXXX XXXX in XXXX, they are now illegally reapplying a negative post in XXXX as an updated contract.

Company response to consumer: Closed with explanation