vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-16 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: Helvey & Associates, Inc., Warsaw, IN Branch
State: OH

Complaint narrative:
I was told by the Agency that a letter was sent to me for debt collection. I did not receive any letter at my address, while on the phone with the agency, I was told that the letter was return, which doesn't make any sense because that same agency has my address. However, I was not aware of any collection of any sort because I would probably make arrangement if not make a payment, if I was informed.

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 2023-01-16 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:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
On XX/XX/XXXX I contacted Equifax XXXX to inform them that I did not authorize inquiry from XX/XX/XXXX which was showing on my credit report. Company stated they could not find my information and they could not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 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: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Wells Fargo reported a delinquency on my credit report which changed my score drastically. They then sent me a letter which I still have apologizing for the inconvenience and saying quote have submitted a request to the consumer reporting agencies to correct or remove negative reporting that resulted from the issue. No further action is required from you. Please note corrections XXXX take longer than 30 days. It has been over 2 years.

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 2023-01-16 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Original disputes in XXXX took place and XXXXXXXX XXXX XXXX refused to speak to me. I file many disputes, to no avail. I show a recent missed payment from XX/XX/22 that I never initiated, agreed to or even knew about. My score is dropping daily. Verify the payment history and you will see it. Please remove this from my credit report so I can obtain a mortgage.

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 2023-01-16 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: EQUIFAX, INC.
State: MN

Complaint narrative:
Original disputes in XXXX took place and XXXXXXXX XXXX XXXX refused to speak to me. I file many disputes, to no avail. I show a recent missed payment from XX/XX/22 that I never initiated, agreed to or even knew about. My score is dropping daily. Verify the payment history and you will see it. Please remove this from my credit report so I can obtain a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Original disputes in XXXX took place and XXXX financial services refused to speak to me. I file many disputes, to no avail. I show a recent missed payment from XX/XX/22 that I never initiated, agreed to or even knew about. My score is dropping daily. Verify the payment history and you will see it. Please remove this from my credit report so I can obtain a mortgage.

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 2023-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: RI

Complaint narrative:
Comenity Bank has called my phone XXXX times within XXXX  days. There has been no voicemail to explain the repeated calls. 
On XXXX, there were XXXX calls. On XX/XX/12, there were XXXX calls. Other days, they averaged XXXX calls daily- again, without a voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To whom it XXXX concern while checking my most recent Credit Report I notice inquiries that I did not authorize mad by the following companies. 

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 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 I did not authorize ant employee by these companies to make any inquiries and view my credit. Please validate this information with these companies and provide me with the documentation bearing my signature authorizing these inquiries. 

Finally request that these item be deleted from my credit report if these sign documentation can not be provided

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 2023-01-16 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: MD

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my 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 explanation
Consumer complaint received 2023-01-16 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: Sensible Auto Lending, LLC
State: CT

Complaint narrative:
I, XXXX XXXX, Consumer/ Natural Person am now aware of all rights that I have, and which are protected by Congress under the Fair Debt Collection Practice Act pursuant 15 USC 1692a ( 6 ). It has been brought to my attention and understanding that Sensible Auto, has violated multiple rights under the Fair Debt Collection Practices Act ( FDCPA ). Pursuant 15 USC 1692b ( 2 ) Sensible Auto communicated with third parties furnishing my personal location information and stated that there was an ALLEGED DEBT violation pursuant 15 USC 1692b ( 3 ). Because of Sensible Autos abusive practices, I have incurred serious injury pursuant 15 USC 1692 ( a ) and 15 USC 1692 ( b ) by having my vehicle removed unlawfully from my property. This has caused me grave danger and put me in financial hardship and caused me mental and physical anguish.

Under 15 USC 1692 c ( c ), I dispute the ALLEGED debt and refuse to pay the ALLEGED debt. I demand pursuant 15 USC 1692c ( c ) that you cease ALL further communication through ALL and ANY MEDIUM EXCEPT for communication of remedies for XXXX XXXX, the consumer and natural person, via EMAIL ONLY. Pursuant 15 USC 1692, I am invoking specified remedy as the original creditor, and I demand :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/2022 i Certified mailed Equifax Tracking Number XXXX a letter asking their company to investigate and delete the inaccurate accounts that is reporting on my Consumer Report. By Federal Law According to the FAIR CREDIT REPORTING ACT 15 USC 1681i ( 1 ) ( A ) the consumer reporting agency ( Equifax ) before the end of the 30 -day period beginning on the date on which the agency receives the notice of the dispute from the consumer after 30 days if the consumer reporting agency can not verify or validate this inaccurate Information the consumer reporting agency must promptly delete the items from the file of the consumer. 

Also According to the FAIR CREDIT REPORTING ACT 15 USC 1681b ( 2 ) a consumer reporting agency may not furnish any information on a consumer report with out the written instruction of the consumer ( me ) to whom it relates.

IM DEMAING THE FOLLOWING ACCOUNTS BE DELETED IMMEDIATELIY FOR FAILURE TO COMPLY WITH THE FEDERAL LAW 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 I have uploaded all of the proper documentation to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: U.S. Auto Sales Inc.
State: SC

Complaint narrative:
ACCORDING TO MY CREDIT REPORTS I HAVE XXXX CHARGE OFF ACCOUNTS REPORTING. CHARGE OFFS ARE CONSIDERED CANCELED DEBT. AUTO DEALERS HAVE ALREADY BEEN FILED ON THEIR TAXES SO WHY ARE THESE COMPANIES STILL REPORTING THIS ON MY CONSUMER REPORT.CHARGE OFFS ARE CONSIDERED ORDINARY INCOME. I DEMAND THAT THESE ITEMS BE REMOVED AND DELETED. THIS IS A VIOLATION OF 15 USC 1681eb

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Ria Envia, LLC
State: CO

Complaint narrative:
On XX/XX/2022, I initiated a funds transfer of {$1000.00} ( XXXX XXXX XXXX ) to my family in XXXX XXXX. I had used XXXX XXXX many times before with no problems. The money was schedule to arrive in XXXX by XX/XX/2022. The money still hadn't arrived by late the following week so I contacted the company. They said there was a problem with their local affiliate and that the transfer had been cancelled by them. I told them to immediately refund my money. That was over a week ago and I still have not received a refund, nor has my recipient received the transfer. 

One of the documents I attached from the company 's website shows the transfer was completed, but it was NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Innovate Managed Holdings, LLC
State: FL

Complaint narrative:
My account is paid in full, it was closed on XX/XX/XXXX with a balance of {$0.00}, on XX/XX/XXXX it had a balance of {$10000.00}, due to an accident the vehicle was totally lost, the insurance made a payment of {$7100.00} and the GAP coverage that was purchased and is in the terms of the signed financing contract is responsible for the difference of the pending balance of the financing and Additionally, your Loss Mitigation XXXX XXXX XXXX contacted me on XX/XX/XXXX to notify me that despite the insurance payment and GAP coverage, I still had an outstanding balance of {$800.00} and sent me an email with the address where I had to send the cashier 's check to be able to close my account with a {$0.00} balance, which was prepared on XX/XX/XXXX for {$800.00} and was sent to your facility and delivered on XX/XX/XXXX via XXXX tracking # XXXX I don't understand how 3 years after they closed my credit, they reopen my account on XX/XX/XXXX again with a negative balance of {$4800.00} damaging my credit and causing me great economic damage, after calling several times I was able to prove that they received, they cashed the check and updated the balance to {$3700.00}, which is a big mistake because if you add what the insurance paid {$7100.00} plus the GAP coverage that is in the loan contract and stipulated in the Annual APR, plus the {$800.00} that they are sent in a cashier 's check, I do not have any type of negative or pending balance with you, I need to solve this problem as soon as possible since he always fulfills all the responsibilities stipulated in the contract. 

I have communicated with INNOVATE LOAN on several occasions through phone calls and emails during these months every week without getting any response from them, they have to verify my account and read all the notes left by their specialists of all the calls that He specifically made the calls and notes from his Loss Mitigation XXXX XXXX XXXX, who was the one who contacted me and provided me with all the information to be able to close my account with a XXXX balance. 

Thanks to a complaint that I made through the CFPB website ( XXXX XXXX XXXX XXXX XXXX XXXX ) last year on XX/XX/XXXX I was able to have the company INNOVATE LOAN contact me on XX/XX/XXXX to inform me what they had done a error and they would remove all the wrong information from my credit report and email me clarifying this problem, then again this year on XX/XX/XXXX I receive a new notice from my credit notifying me that the company INNOVATE LOAN once again informs my credit that I have a negative balance owed of {$3700.00} with a comment of " COLLECTION / CHARGE when it is false information that causes me great economic damages since they have damaged my credit again with a new attempt to collect a debt already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I signed up for synchrony credit card when purchasing furniture. They mentioned that I need to set up minimum payment and pay off the amount in 18 months. Now they have charged me, XXXX in interest charges. I called them to waive it off and they did not do it. They are running big scam, stealing money from the customer.

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 2023-01-16 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: Cascade CISS Holdings, LLC
State: DE

Complaint narrative:
On XX/XX/XXXX I contacted XXXX XXXX to inform them that I did not authorize inquiry from XX/XX/XXXX which was showing on my credit report. Company stated they could not find my information and they could not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: WA

Complaint narrative:
I disconnected my XXXX internet service on XX/XX/19. I returned my modem immediately using the prepaid label and box XX/XX/XXXX provided. XX/XX/XXXXtried to charge me for said modem and I provided photographic evidence I returned the modem and the tracking number. They have sent me to XXXX separate collections agencies. I have disputed the debt with both XXXX and the collection agencies and requested written evidence to validate the debt. Nothing has been provided. The latest collections agency I C SYSTEM INC did not bother to validate the debt and reported the collection to all three credit reporting bureaus. On the phone they admit the have no evidence to validate the debt and hound at me for how I would like to pay the debt. Their illegal reporting has lowered my 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 2023-01-16 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: Nelnet, Inc.
State: NC

Complaint narrative:
I have filed multiple disputes with XXXX, XXXX, and XXXX in XX/XX/XXXX and XX/XX/XXXX each disputed was responded to with results verified. I then sent in dispute letters requesting how the late payments were verified and received no response. Each bureau is reporting a 90 day late payment for XX/XX/XXXX on all XXXX of my nelnet accounts and I was never late. 
Each bureau is also reporting multiple late payments for my XXXX XXXX XXXX XXXX accounts. XXXX is showing a 60 day late payment for XX/XX/XXXX while XXXX and XXXX shows the payment was on-time and not late. 

In XXXX with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. These accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 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: MD

Complaint narrative:
I recently reviewed my credit report and I found errors on my report from accounts I did not provide my written instruction. According to 15 USC 1681 I have a right to privacy and a consumer reporting agency can not furnish an account without my written instruction.

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 2023-01-16 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: MD

Complaint narrative:
I recently reviewed my credit report and I found errors on my report from accounts I did not provide my written instruction. According to 15 USC 1681 I have a right to privacy and a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My card limit was lowered without me knowing and caused a XXXX point drop in my credit score because it was flagged for overuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX - Capital One closed my account on XX/XX/2022 without a full explanation of closure and ending the relationship. There was only an email sent stating I can not with drawer funds. Capital one didn't seek a statement from me in regard to any transactions in question. They stated they will return my funds by check after investigation within XXXX business days. The mark of the investigation. They email me promotions and statements about the closed account but don't have an explanation on the funds that are owed to me will be returned and have yet to do so after calling monthly and trying to get updates. All representatives including the supervisor are condescending and rude. They are still holding my funds of {$220.00}. On my capital one app, it states your funds are currently not available for withdrawal. Please assist

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have no knowledge of this suspicious activity on my credit report. I believe this has been fraudulent activity made on my SSN. I believe I am a victim of dark web identity theft. My information may have been impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation