vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-22 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX I wrote to XXXX  with the attached letter, They have not responded nor corrected any of the inaccuracy that I have pointed out. 

In accordance with the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX # XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I received a copy of my credit report and see unrecognized inquiries on my report. I have not applied for credit with these companies and contacted the bureau to address this issue. 
On XX/XX/XXXX XXXXXXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX all inquired about my report. I do not have any knowledge of these inquiries. Under title 15 USC 1681 ( i ) I would like these investigated for accuracy and authenticity.

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 2023-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery has been calling me multiple times a day for months straight now. They also contact me from several different numbers. They have called me at all hours of the day and night, as early as XXXX XXXX  and as late as XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 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: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-06-22 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: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-06-22 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The credit bureaus have ignored my attempts to have this negative account removed from my credit report. XXXX XXXX has sold the three accounts that originated to them to debt collection companies. If theyve sold they debt, they should no longer report the debt is owed to them on my credit report and it should removed entirely as they are inaccurately reporting on my credit and misrepresenting themselves as the Owner of the debt with XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. The Credit Bureau has continually ignored my requests to have this inaccuracy deleted and it has prevented me from being extended credit in different circumstances. I asked them to provide me with proof of write off/1099c form for charged off debt, they did not, they sold this date long ago and they are still attempting to collect on it. Please delete these three inaccurate accounts from my report immediately as they are in violation of the FCRA and 15 USC 1692 G validation of debt. Because they dont own they debt, how are they validating it as accurate?

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 2023-06-22 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: FL

Complaint narrative:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay.

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 2023-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: MA

Complaint narrative:
On XX/XX/XXXX I sent {$6700.00} USD from crypto.com to XXXX the money did not arrived but unfortunately since it is crypto currency nobody give me any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ARTICLE ACCEPTANCE COMPANY
State: CA

Complaint narrative:
I leased a car from a car lot in XXXX for a used XXXX XXXX. I was paying payments for up to 8 months however within that 8 months I had to return the car to the lot on 3 different instances due to the car unexpectedly shutting off and not starting causing me to get the car towed to the lot each time. Each time they kept the car for a full month and a half with a band aid over the problem, hints the returning it 2 more times after the initial incident for the same problem. After the 3rd time I was frustrated and voiced to the car lot I wasnt happy with the car and was interested in a trade in. They refused this exchange so I stopped making payments and received a repossession to which I returned the car in XXXX. So now here it is XXXX and the company XXXX XXXX is still charging fees to my credit report about this car. The original amount of the car was {$11000.00} at the time of XX/XX/XXXX. Now its at the amount of {$20000.00} as of XX/XX/XXXX. The status on the account says closed but that isnt the case. I have reached out to the company to try to resolve this issue and they refuse to work with me. They have stated that they ended up selling the car to an auction shortly after I returned the car. So Im unclear about how they can still report fees to a closed account on a car I am no longer in possession for. This main account is a big negative effect on my credit report and Ill like to get it removed indefinitely.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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: EQUIFAX, INC.
State: IL

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. I'm begging you to update it ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 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: PNC Bank N.A.
State: TX

Complaint narrative:
I have never had an account with PNC bank. I have told them and there collection agency this as well I have asked them to show me where I agreed to them issuing me an account at my request and have shown them that they never had title to my debt. 
In accordance with the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX account # XXXX, has violated my rights. 

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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I the consumer and natural person was denied credit by Huntington Bank when I applied for a XXXX XXXX XXXX XXXX XXXX. My application number is XXXX. I would first like to address Adverse action against a consumer is against the law according to the Equal Credit Opportunity Act which codified in the 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k, also in violation of 15 U.S.C 1642, U.S.C 1681m and 12 CFR 1002, furthermore 12 CFR 1002.4 ( a ), along with 15 U.S.C 1681a. XXXX and XXXX XXXX is reporting this inquiry on my consumer Report. The documents that will be attached show that someone is lying to me. I got a notice stating I was not approved, nor denied. I was told there were no hard inquiries on my credit, but they are still reflecting. I also spoke on a recorded line with a manager of their bank as well as a supervisor. I was told they denied me credit and they did an adverse action, which is against consumer rights according to the US cod of justice. I also did a second application, but I made sure to reserve all my rights on the new one and they are still not approving me while continuing to violate my rights. On the second application, I verbally expressed to the banker XXXX, that I wanted to tender this to make sure he got it completed and it was not specifically for just one vehicle. It was to be able to be taken to a dealership for the vehicle of my choosing and I had chosen the XXXX XXXX XXXX XXXX. I also sent a hand written letter in the mail certified mail. Please do a deep investigation!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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: LOBEL FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I am part of the consumer that were effected in their class action law suit No. XXXX XXXX XXXX. My contracted was date in the XXXX. They are attempting to garish my wages on a incorrect judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

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

Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : DEPT OF ED / XXXX # XXXX, Account Name : US DEPT OF EDUCATION/XXXX  # XXXX, Account Name : XXXX XXXX # XXXX has violated my rights. 

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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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: FL

Complaint narrative:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

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 2023-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: PA

Complaint narrative:
We fell a few months behind on our mortgage due to a temporary hardship. That hardship was resolved in late XX/XX/XXXX. On XX/XX/XXXX, I called our servicer, Specialized Loan Servicing ( SLS ), to make a payment to cover the past due amount and catch up. The representative told me that the amount due to catch up was {$3400.00}. The representative helpfully scheduled a payment for that amount for XX/XX/XXXX and made no mention of anything being amiss. I received a confirmation email and confirmation number. On XXXX, I received another email saying the payment was completed. I checked my mortgage account online, and I saw that that amount was applied to the balance due on the loan, and I assumed everything was fine. SLS also withdrew the {$3400.00} payment from my checking account at that time. 

However, on XX/XX/XXXX, I received a message via SLS 's secure messaging system that my payment was being returned due to my loan being in foreclosure. That was the first time I was made aware of any foreclosure. I replied to the message using the secure messaging system and explained how I was told on XXXX that the payment of {$3400.00} would cover the past due amount and I expected them to follow through on their word. I received a reply on XX/XX/XXXX that basically said the same thing as the XX/XX/XXXX message. In the meantime, I called SLS on XX/XX/XXXX and spoke to a representative who was unable or unwilling to help me. He scheduled a return call with a supervisor for between XXXX and noon on XX/XX/XXXX. I arranged my work schedule so I would be available at that time, and I never received a call. I then sent SLS another message later in the day on XX/XX/XXXX asking for the direct number of a supervisor. I didn't receive a reply until XX/XX/XXXX, which said a supervisor would reach out to me in the next 24-48 hours. That time frame has now passed, and I still haven't received a call. 

SLS obviously made a mistake, they are unwilling to correct it, and they are unwilling to escalate the matter to someone who can correct it. They have yet to return the {$3400.00} payment. I expect them to honor the figure of {$3400.00} as explained to me on XX/XX/XXXX and apply my payment to the loan. They record all phone conversations, so none of this information should be in dispute. I also have copies of the confirmation emails and other communications.

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 2023-06-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: TMX Finance LLC
State: TN

Complaint narrative:
They had a data breach and my credit has been hit from the breach from someone stealing my identity from there breach

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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: CA

Complaint narrative:
I sent a letter to Experian, XXXX, and XXXX on XX/XX/2023. Its been well over 30 days, I still have not received anything back According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX, and XXXX have 30 days to respond to my dispute. 

This a violation of my rights.

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 2023-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Overdraft fee charges

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 2023-06-22 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: Possible Financial Inc
State: FL

Complaint narrative:
I settled this account with XXXX XXXX XXXX XXXX. They said theyre going to repost account settled in full, remove balance, and delete the account from my report. Can someone correct this issue. The account has been settled

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation