vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-05 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: VA

Complaint narrative:
My personal information was exposed in the XXXX, XXXX XXXX and XXXX data breach. And on XXXX/XXXX/22 a account from XXXX XXXX XXXX prime loan credit builder was open without my permission and reported to my XXXX, Experian and XXXX 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 2023-02-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Tesla, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I paid a deposit online to order a new XXXX XXXX XXXX replace the current XXXX XXXX that the Lease was expiring on XX/XX/XXXX. I paid the deposit of {$250.00} online ( copy attached ). After that they kept on asking to follow up in the app but the new order never showed up. First Tesla said there was a wrong email ( I had ordered the new Tesla with my account with Tesla and my email XXXX. Tesla sent me an email that I had to make an affidavit that this email : XXXX was mine. I told them that was not my email and it was a crime to uses somebody else 's email. Tesla personal insisted that I committed fraud and state that email was mine. I provided them with proof of my email, copy of my credit card charge and also Tesla own receipt that the funds were received. After multiple correspondence explaining to them that what they were asking was illegal they arbitrary stole my deposit and told me I had lost it. 
I tried to have the deposit credited or refunded but Tesla refused to give it back or credit it. I had to place another deposit, this time with the involvement of a local Tesla store and I finally received the new car. The original deposit was never refunded and Tesla stole my money and refused to give it back.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 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: LA

Complaint narrative:
In accordance with 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 XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : Dept of EDXXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXXXXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX  XXXX # XXXX, Account name : XXXX XXXX  XXXXXXXX, Account name : XXXX XXXX # XXXX, Account name : 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 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 2023-02-05 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: LA

Complaint narrative:
In accordance with 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 # XXXX, Account name : Dept of XXXX AID # XXXX, Account name : XXXX XXXX XXXX, Account name : Credit XXXX XXXX XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX Account name : XXXX  # XXXX Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : DPTED/XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX section XXXX A. XXXX 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 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 non-monetary relief
Consumer complaint received 2023-02-05 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: CO

Complaint narrative:
I believe I have reported the accounts as disputed already and have not received a response, but I am requesting the credit bureaus do a full debt validation investigation with the creditor XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 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: CO

Complaint narrative:
I believe I have reported the accounts as disputed already and have not received a response, but I am requesting the credit bureaus do a full debt validation investigation with the creditor XXXX 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 explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
I have submitted police reports and reached out various times to resolve this issue of identity theft only to have my rights violated repeatedly. This company is blatantly attempting to collect a debt of verifiable identity theft. I have called them, emailed them, written by certified mail, faxed and uploaded all documents asked for only to be stalled out.

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 2023-02-05 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: Fig Tech Inc.
State: TX

Complaint narrative:
I believe the information on my credit report is in accurate among all three bureaus and has so many inconsistencies. I sent a letter to all three credit bureaus asking to validate the debt on my report and they responded with the account being validated and verified.

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. 

FIG TECH INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Account number : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 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: CO

Complaint narrative:
I believe I have reported the accounts as disputed already and have not received a response, but I am requesting the credit bureaus do a full debt validation investigation with the creditor XXXX 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 2023-02-05 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have sent a letter on XX/XX/2022 to Transunion Consumer Solutions, XXXX and XXXX XXXX XXXX XXXX asking them to please provide proof from the original creditor that XXXX XXXX owns this debt and has the legal authority to collect it or delete this account. They have not provided me with that information. Also, while an investigation is going they were suppose to remove the debt until it was verified. They have not.

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 2023-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
Vystar Credit Union in the month of XX/XX/2022 while converting their online systems, failed to proactively send credit card statements to any clients who were set up for edelivery and the ability to speak to anyone to arrange payment required a hold time of over an hour with no ability to be called back. 

I was hospitalized and unable to reach anyone during the time I was able. 

When the system did come back online there was no access or viewability of our credit cards. When I finally spoke to someone I said they needed to reverse the charges and adjust my entire credit reporting and my available credit lines. 

It took 3 phone calls to get access to my credit-card restored but in the meantime I was having my credit lines decreased left and right because they reported my delinquency despite HAVING NO WAY TO PAY THE BILL EXCEPT FOR GOING INTO THE BRANCH! 

They refused to reage the account and correct their reporting and this caused me to financially and mentally spiral as I needed the funds for necessary house repairs. 

My credit score prior to this event was XXXX. I am now down into the 600 's and now jobless. 
None of the creditors will make arrangements either due to the negative credit history I have now been saddled with.

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 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
All credit bureaus have outdated information of personal information. The only valid information is as follows : Name : XXXX XXXX XXXX Phone : XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX : XX/XX/1988 or XX/XX/1988 or XXXX XXXX, 1988

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 2023-02-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Innovate Managed Holdings, LLC
State: TX

Complaint narrative:
The contract was closed i do not have the truck contract was closed its affecting my credit score and i already caller the innovate loan told me to open a Dispute with XXXX and i need help i had good credit and its lowering it please help! i have proof of the first refund of the payment because contract was closed It was the dealer fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KY

Complaint narrative:
We have auto insurance thru USAA. Our policy renewed every 6 months. State of Kentucky charges taxes on the policies. Our XXXX XXXX, XXXX, KY charges 10 % as well. USAA requires us to pay these taxes upfront on the first premium rather than prorated monthly. USAA charges a fee of 15 % of the policy they say, to collect for the XXXX, XXXX, KY. Per state they say that USAA can charge a fee, but was also puzzled as to why taxes wasnt prorated. In prior years they were and I wasnt aware of a fee from USAA. It was only noticed when my bill increased largely and I am to pay {$430.00} next month. ( Taxes are totally up to be over {$300.00} a year ). They ( KY ) checked the numbers to insure the state and local % was correct but was silent with the answer on this question. I personally believe that this problem stems from XXXX not accepting this but rather want upfront. Something that is beyond our control as far as laws ( XXXX ). So the question is ( 1 ) why such a big fee of 15 % by USAA. ( 2 ) Is XXXX, KY the problem? ( 3 ) Is XXXX receiving a portion of this fee ( They made over {$450000.00} for 2021 on premium taxes ) " There is also a collection allowance that may be added to the local insurance tax by the insurer to offset the cost of collecting the tax for the local governments. ( Key words ) This allowance is limited to 15 % of the tax or 2 % of the premium, whichever is less, and it usually appears on the premium notice as part of the local tax. " -Insurance institute of XXXX My son has XXXX, so they do the same.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 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: PA

Complaint narrative:
TransUnion is reporting a collection from XXXX XXXX XXXX that I didn't sign for!!!!! 
they are also reporting the collection as an open account and a balance that changes often!!! 


XXXX is reporting 2 late payments to my report I disputed the child support ones from XXXX there are almost 15 of them but I have had a wage attachment from my job since XXXX I sent them proof of this with my paystubs and sent more than 4 letters nothing has been done the second late payment was for a credit card I was out of the country on a personal family emergency my sister was killed in XXXX I tried to transfer money to pay the statement bill it wouldn't let me because I was out of the country they thought it was fraud i understand that but not my fault

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 2023-02-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Universal Account Servicing, LLC
State: NY

Complaint narrative:
The time agreement they advised me before accepting the credit was inaccurate. They stated that my payment agreement ended on XX/XX/XXXX which they actually ended on XX/XX/XXXX. 
The only remaining amount I owed was suppose to be XXXX in which they charged XXXX of interest stating that it was due to late fees and the 16 percent interest on XX/XX/XXXX they charged me XXXX accounts more then what I actually owed which was XXXX and they charged me again on XX/XX/XXXX XXXX a total of XXXX And they keep charging me interest because they tried charging me again another XXXX dollars which I disputed instead of XXXX now they are trying to charge me XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
All credit bureaus have outdated information of personal information. The only valid information is as follows : Name : XXXX XXXX XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX : XX/XX/1988 or XX/XX/1988 or XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
All credit bureaus have outdated information of personal information. The only valid information is as follows : Name : XXXX XXXX XXXX Phone : XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX : XX/XX/1988 or XX/XX/1988 or 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 non-monetary relief
Consumer complaint received 2023-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Interests rate on the loan was substantially high.

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 2023-02-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
2014 I was put into XXXX  XXXX  with concerns with my health. My home was sold while I was there. I was trying to refinance of sell to help with bills and finances. The agent doc put some docs with Wells Fargo then to me I lost the home. Later to find out the doc he had me sign was a short sale. In stead of the refinance or the sale to gain the equity in the home. I was on numerous drug which made it easy to mis lead me. I later found out the the closing was in XXXX Ga a place I had never been. I reached out to Wells Fargo and let them know of my finding with prof of my health and date of mind from doctors. They dismissed it also my account with Wells Fargo went with stress as well over draft fees as well as finance with the house with out my permission. I have been home less since.

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 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax has a continued issue with my credit report. I can not unlock my credit report because they continue to not update my validation date. Even when I sent what they requested via a complain to update any and all invalid data with proof via the CFPB complaint system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I was made aware that a ruling was made against Wells Fargo for Mortgages between the years of XXXX and XXXX for changing terms, etc, etc and had to pay back consumers for mishandling of accounts. I had a mortgage with Wells Fargo between the years of XXXX and XXXX and have not received notification on this and my email and contact information has since changed. I am checking to find out more information on how to find out if i qualify for damage payments.

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