vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: KY

Complaint narrative:
Predatory loaning and XXXX the interest rate as well over the legal limit Federal and my state at 22.99 % they rope you into these deals knowing you're desperate plus put {$3000.00} down payment on a {$9900.00} car and they add a two-year warranty they don't tell you about and XXXX  insurance they don't tell you about. So your down payment goes toward nothing and as the paperwork says I end up paying {$18000.00} for a {$9900.00} car I put {$3000.00} on this company is crooked and has been doing this to people for years now and already has lawsuits against them predatory loaning and usury is astronomically wrong. Also we signed all the paperwork at the dealership and the signatures on the uploaded contract that I put on definitely not our signatures

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
My problem is this : back in 2006 my spouse and I did a spousal consolidation loan to make it easier to make one payment together. These loans are impossible to untangle, and make it impossible for either of us to qualify for loan forgiveness, even though we have the requisite 120 payments and public service. We are only excluded from these programs because of the consolidation of our FFEL loans.

Further, I had to apply for loan forgiveness three different times and be rejected for three different reasons, none of which were the spousal consolidation, but all of which were because of the spousal consolidation. 

A growing number of us are discovering this problem and we would like the CFPB to join us in pressuring Congress to do the right thing so we can disentangle these loans. What a mess this program has been!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: IL

Complaint narrative:
Hello I am submitting this complaint without error or influence of any third party agencies. Please see my attached documentation as it contains my request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-21 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: TX

Complaint narrative:
I previously wrote to TransUnion to investigate and verify a bankruptcy listed on my credit report and I received a response that the bankruptcy was verified with the bankruptcy court. 
I contacted the courthouse to verify their information release policy. The court informed me that they do not provide anyone with a debtors full social security number and they do not provide ANY credit bureau ANY information about ANY bankruptcy cases. 

It is quite clear that someone from TransUnion lied about verifying this bankruptcy with the courthouse. That is a violation of the Fair Credit Reporting Act ( FCRA ). 

As you know, it is also a violation of the FCRA to report inaccurate or unverifiable information on a credit report. Thus, I demand that you IMMEDIATELY REMOVE the following bankruptcy from my 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 2022-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Account is as follow ; XXXXXXXX XXXX Account number XXXX XXXXXXXX XXXX Canceled debt income '' often referred to as canceled or forgiven debt is something anyone who has debts unpaid, but not gifted, should be concerned with. The IRS considers this income. Income Is not apart of the consumer report. In accordance with Fair Credit Reporting Act XXXX account # XXXX, has violated my rights 1. 15 USC 1681 section 602 A states I have the right to privacy. ( a ) IN GENERAL, subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances an NO OTHER : ( 2 ) in accordance with the writing instructions of the consumer to whom it relates. Did I give you written instruction to furnish this account on my credit report? 2. 15 USC 1681 602 A It also states a consumer reporting agency can not furnish a account with out my written instructions. 3. 15 USC 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. After reviewing XXXX XXXX I got a notification that accounts have been removed a few days later I notice is still on my consumer report. I also attached an FTC report and XXXX Tracking receipt that was mailed on XX/XX/2022.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: TX

Complaint narrative:
I previously wrote to Equifax to investigate and verify a bankruptcy listed on my credit report and I received a response that the bankruptcy was verified with the bankruptcy court. 
I contacted the courthouse to verify their information release policy. The court informed me that they do not provide anyone with a debtors full social security number and they do not provide ANY credit bureau ANY information about ANY bankruptcy cases. 

It is quite clear that someone from Equifax lied about verifying this bankruptcy with the courthouse. That is a violation of the Fair Credit Reporting Act ( FCRA ). 

As you know, it is also a violation of the FCRA to report inaccurate or unverifiable information on a credit report. Thus, I demand that you IMMEDIATELY REMOVE the following bankruptcy from my credit report :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was the victim of a housing scam, in which I put down a security deposit through XXXX on an apartment that was revealed to be fake. Capital One, my bank, has refused to refund me despite acknowledging that this was a crime. 

On XX/XX/XXXX, My roommate and I found a listing on XXXX for an apartment in XXXX MA. My roommate emailed the real estate agent about the terms of the apartment, in which he requested the first two months rent as a security deposit ( {$5000.00} total, {$2500.00} per month ). He sent over an entire lease agreement, which my roommate signed and sent back. We looked up his name online and found his credentials verified with a real-estate company website. I sent over {$2500.00} by XXXX to the landlord of the apartment. My roommate did the same. We believed we had put down the security deposit for our new apartment in XXXX. 

On XX/XX/XXXX, my roommate called the real-estate agent in question via his phone number on the company website. The agent told us that the apartment we had rented was not one of his listings -- in fact, he hadn't been emailing us at all. Someone had stolen his identity, drafted a fake lease agreement, and swindled us into sending money for an apartment that didn't exist. 

We immediately called the XXXX police department and filed a report. I called Capital One to file a claim disputing the transaction, given that this was a crime for which I was a victim. On XX/XX/XXXX, they told me that my claim was denied. This was because I had sent the money through XXXX -- they could not recall the money already sent. Apparently, they had contacted the bank to which the money had been transferred, but that bank had also refused to refund the sum stolen from me. Capital One refused to issue me a refund for the money I had lost in the scam. 

This was a fraudulently induced person to person ( P2P ) transaction, and therefore it was unauthorized ( see new CFPB regulatory guidance ). Banks must repay consumers for payments they did not authorize, and yet both my bank, the scammer 's bank, and XXXX have refused to refund my money. They acknowledge this is a crime, yet they do nothing to protect the victims of it. I now do not have enough money in my bank account to put down another deposit on an apartment that I need. 

How can I get my money back? How can I hold Capital One and XXXX accountable?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
I was scammed through XXXX. I was trying to sell something via XXXX XXXX. The " buyer '' said he would send money via XXXX. I received several emails claiming to be XXXX customer support saying I need to refund a portion of the transaction since the transaction was too large. I used XXXX through Wells Fargo to follow the email 's instruction to get the transaction to process. I ended up sending {$700.00} via XXXX through Wells Fargo to resolve the issues. I eventually realized it was a scam. The scam emails spoofed XXXX 's customer service branding and I've ran into issues in the past with transfer limits on XXXX which made me susceptible. There was no ability to cancel or terminate the transaction after I realized my mistake. Wells Fargo notified me that the transactions are instant and irreversible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2022-07-21 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2022-07-21 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: U.S. Auto Sales Inc.
State: GA

Complaint narrative:
I was told buy the company I had a warranty to fix the car it was the crankshaft needed fix they never fixed the car it stayed at the mechanic shop for three months because they said they was not going to fix it I asked for my money back for the warranty and they refused they even refused to remove the gap insurance fees and are still charging me the same amount of the car the day I took it off the lot minus XXXX dollars and I have the car for two years they sold it at a private auction even though I asked for it in writing for it to be public and they have not even told me any documents or paperwork on the amount it was sold for why am I still paying the same price the day I got the car?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: DE

Complaint narrative:
The credit bureaus stated my account was properly investigated and meets FCRA requirements but how is that possible : 1.The open date is inaccurate across all three bureaus.

2.The date of last activity is inaccurate across all three bureaus.

3.Account status is inaccurate ( XXXX and XXXX is reporting closed and Transunion is reporting open.

4.Last payment dates are all different.

5.Closed dates is not being reported This is ground for removal.

They also violated my rights under 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-21 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-21 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo was notified on XX/XX/2022 that the account ending in XXXX was not opened by me. It appears Wells Fargo continues to open accounts using customers identities without authorization. This account was opened as a Result of Identity Theft. I did not sign any account opening documents, Nor did I receive any account opening packets. I did not receive a debit card. Wells Fargo had 1 direct deposit from a XXXX XXXX ( XXXX XXXX ) That is not my employer either. My Employer is XXXX XXXX XXXX. Additionally, I got a very harassing call from Wells Fargo, of course I did not answer because I am working and I do not have time to respond nor answer Wells Fargo 's harassing calls and or emails. I am a victim of identity theft, I did not provide Wells Fargo with my Drivers License, Nor Social Security Card, Nor Passport. Wells Fargo did not verify my identity prior to opening said account, The account is not authorized, was not authorized. Yet I believe someone internal in Wells Fargo Opened the account, It must be someone from the CLAIMS Department that called to Harass me. None the less, I do not accept Responsibility for an account I never authorized. I have come to learn my email address was also hacked, and I was able to recover that with XXXX. I explained the identity theft situation. I called the CFPB and advised my account may have been hacked here as well. They were able to change my password and make sure the account was and is secure at this time. So previously complaints would not have been submitted from me. That has been rectified. Wells Fargo still allowed the fraudulent account to be open. I did not receive a debit card for this account, so I am not sure where that went or who opened it or received that. It did not come to my address. Wells Fargo continues to cause Identity Damage. This is not acceptable for people who are victims of identity theft. I want this account closed, and the username associated with this account or account 's closed as well.

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