vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-18 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: PA

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

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 2022-02-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, Equifax and XXXX are all reporting inaccurate information regarding XXXX accounts in collection on my credit report. XXXX XXXX XXXX Account XXXX, and XXXX XXXX XXXX Account XXXX are claiming I owe them an alleged debt which is not mines. I have tried to resolve this directly with the bureaus but they have not correct my report by removing these fraudulent accounts that are being reported without my consent. I demand that this inaccurate information be removed immediately. According to 15 USC 1681i ( A ) ( 1.A ) they must remove the misleading information while under investigation. These debt collectors are harassing me by sending me letters in the mail saying I owe them for a alleged debt that is not mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I sent a letter to Transunion regarding previously disputed XXXX XXXX account number****. This account was previously deleted on XX/XX/XXXX ( see attached evidence of previous deletion ). And when I pulled my new consumer report on XX/XX/XXXX, I see that the previously deleted item was reinserted on my consumer report, but I was not notified in writing within 5 business days that it was reinserted back on my consumer report. 
As of today, it has been over 30+ days later and I have not received a response yet from Transunion . I feel like I'm being taken advantage of and being ignored by the credit disputes. 

This clearly violates my consumer rights that is protected by FCRA 611 ( A ) ( 5 ) ( B ) ( ii ). Section ( B ) ( ii ) states : Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I demand that this account be DELETED immediately or I will file for ligation due to defamation of character, stress you have caused me and {$1000.00} for each violation that I'm entitled to under 15 U.S.C 1681I.

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 2022-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SIMM Associates, Inc.
State: NY

Complaint narrative:
This company XXXX says I owe {$150.00} that I paid off months ago before it went into collections. The company agrees I paid off my debt but they haven't rectified my account going into collections. I do not owe this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Consumer Portfolio Services, Inc.
State: OR

Complaint narrative:
I have had a loan through Consumer Portfolio Services for a few years now. They have been calling at all hours as well as contacting references on the loan even when we have made arrangements for late payment ( these contacts of references have included XXXX lying to the reference saying they were seeking to hire me to gain personal info on me ). The calls never stop, they call me XXXX and XXXX  times in a row and them attempt to call my husband. Recently I have made {$2500.00} payment attempting to lower the principal but the company took {$640.00} of that and said it was because of back interest on the loan. We no longer need the vehicle and are trying to sell it to carvana but getting answers about the payoff is like pulling teeth. They are rude and threatening and it is not acceptable. I was advised to contact a Local Contractual Attorney to find out out if this contract is even legal in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CCF Intermediate Holdings LLC
State: IN

Complaint narrative:
On XX/XX/XXXX, I informed the employee at XXXX that I was unable to pay the entire balance of the loan. She giggled and shrugged at me. I reiterated to her that the check should not be cashed because it would be rejected as NSF. After I left the store, I received multiple calls from them back to back but I was not in the right headspace to talk to the person who had so rudely dismissed me when talking about a serious financial issue. On XX/XX/XXXX, a XXXX employee changed the date of the check, without my agreement, and attempted to cash the check. It was rejected due to insufficient funds. I then requested a stop payment be issued for the check so I would be able to pay my rent and electricity bill. 
Today, XX/XX/XXXX they attempted to cash a different check for the same amount that I did not sign or otherwise authorize. I do intend to pay the balance as soon as I'm able but I will not pay until they can guarantee they will not attempt to cash fraudulent checks in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
My account with XXXX XXXXXXXX XXXX  is currently is in good standing with a zero balance was illegally sold to a debt collector who is ruining my credit, harassing me for payment on an account I do NOT owe on. I have gone over and over with both companies- XXXX XXXX has me in good standing, zero balance and says I was not sent to collections, but yet can't help me figure out what is going on. When I speak to Midland Credit Management they say I owe this account. I have sent in years of statements to prove I don't owe this, to show my accounts are in good standing with a zero balance. XXXX XXXX keeps hanging up on me and Midland gives me the run around now. I don't know what else to do at this point. I will be meeting with an attorney to sue them both, but what they are doing is ILLEGAL. Midland account # XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-18 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: PA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my Experian consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Netspend Corporation
State: WA

Complaint narrative:
in XX/XX/2019 western union NetSpend locked me out my account told me that account is closed because of suspicious activity. they would tell me suspicious activity and said I was forbidden to ever use the company again. so I've contacted them several times requesting my transaction history. each time the put me on hold I've been on hold as long as XXXX hours they since account is closed and not active they can't give me my transaction history on top of won't give a legit reason why they closed my account and won't let me get back into it

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 2022-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
2 XXXX money transactions were made on my savings account but were NOT authorized by me though Wells Fargo said they were. I have never used XXXX and do not know these individuals. I was victimized by these criminals and not protected by my bank of over 20 years. I am now a senior and a widow and I want and need my money. I do not even know how these scammers knew I had an account with Wells Fargo. Their security was breached and Im paying the price. Am I not protected? This began on XX/XX/2022 and is still not resolved. Please help me as I know this is fraud and I have protection under the Electronic Fund Transfer Act.

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 2022-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Klarna AB
State: NY

Complaint narrative:
This company Klarna says I owe {$150.00} that I paid off months ago before it went into collections. The company agrees I paid off my debt but they haven't rectified my account going into collections. I do not owe this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: PA

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

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 2022-02-18 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: PA

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: FL

Complaint narrative:
These companies have accounts on my reports that is either not mine or inaccurate : 1. These inquiries were not authorized by me. I believe someone tried to use my name to fraudulently open credit card accounts. 
XXXX XXXX Date of inquiry : XX/XX/2022 Remove immediately and confirm in writing. 

2. This account was never paid late. I made an agreement with the lender and paid as agreed. These supposed late payments are also fall under the protection of The CARES ACT Regulation 5. 
XXXX Account Number : XXXX Please removed these inaccurate late payments from my account immediately and change to paid as agreed and confirm in writing. 

3. This account is inaccurate. The Date Last Active is reporting greatly different dates for each bureau along with other inaccuracies. 
XXXX Account Number : XXXX Please remove this inaccurate and invalid account from my report and confirm in writing. 

4. This account is inaccurate. The Date Last Active is prior to the Date Opened which is impossible along with other inaccuracies. 
XXXX XXXX Account Number : XXXX Please remove this inaccurate and invalid account from my report and confirm in writing. 

5. This account is inaccurate. The Date Last Active is reporting greatly different dates for each bureau along with other inaccuracies. 
11 XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate account from my report immediately and confirm in writing. 

6. This account is false and misleading. It is fraud on the part of the creditor. 
XXXX XXXX XXXX XXXX. This doctor is charging me for services for braces that my child never received. 
Account Number : XXXX Please remove this inaccurate account from my report immediately and confirm in writing. 

7. UNKNOWN. I believe this account to be fraudulent. 
XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate and invalid account from my report and confirm in writing.

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 2022-02-18 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: FL

Complaint narrative:
These companies have accounts on my reports that is either not mine or inaccurate : 1. These inquiries were not authorized by me. I believe someone tried to use my name to fraudulently open credit card accounts. 
XXXX XXXX Date of inquiry : XX/XX/2022 Remove immediately and confirm in writing. 

2. This account was never paid late. I made an agreement with the lender and paid as agreed. These supposed late payments are also fall under the protection of The CARES ACT Regulation 5. 
XXXX XXXX  XXXX : XXXX Please removed these inaccurate late payments from my account immediately and change to paid as agreed and confirm in writing. 

3. This account is inaccurate. The Date Last Active is reporting greatly different dates for each bureau along with other inaccuracies. 
XXXX XXXX  XXXX : XXXX Please remove this inaccurate and invalid account from my report and confirm in writing. 

4. This account is inaccurate. The Date Last Active is prior to the Date Opened which is impossible along with other inaccuracies. 
XXXX XXXX XXXX  XXXX : XXXX Please remove this inaccurate and invalid account from my report and confirm in writing. 

5. This account is inaccurate. The Date Last Active is reporting greatly different dates for each bureau along with other inaccuracies. 
11 XXXX XXXX XXXX XXXXXXXX XXXX XXXX  : XXXX Please remove this inaccurate account from my report immediately and confirm in writing. 

6. This account is false and misleading. It is fraud on the part of the creditor. 
GREAT EXPRESSIONS DENTAL CNT. This doctor is charging me for services for braces that my child never received. 
Account XXXX : XXXX Please remove this inaccurate account from my report immediately and confirm in writing. 

7. UNKNOWN. I believe this account to be fraudulent. 
06 XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove this inaccurate and invalid account from my report and confirm in writing.

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 2022-02-18 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:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2022-02-18 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:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2022-02-18 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: Westlake Services, LLC
State: VA

Complaint narrative:
I had a XXXX XXXX financed with westlake a few years ago. The vehicle was repossessed and ive been trying to reach them in the last month to settle the balance. The company that westlake placed the account with will not return my calls making it impossible to close out the account. I have called multiple times and no luck. See notes below XX/XX/XXXX - XXXX - Westlake Financial - XXXX - XXXX XXXX  has the account - account # XXXX XXXX. They closed at 5. Will call back monday. XX/XX/XXXX - XXXX - account being handled by XXXX XXXX - XXXX extn XXXX - Unavailable. Will try again tomorrow XX/XX/XXXX - XXXX - No answer. XX/XX/XXXX XXXX - left message- waiting on return call. XXXX - XX/XX/XXXX - attys office called back - rep couldnt locate the account. Transferred to the rep that handles westlake. Left a message XX/XX/XXXX XXXX - left a voicemail XX/XX/XXXX XXXX no answer. left a message

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 2022-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I want JP Morgan Chase to buy back my mortgage from the third-party predatory lending system. In XXXX after receiving substantial government funding subsidies from the XXXX housing downturn under Obama, Chase Bank breached my trial modification contract. This unexpected and unwarranted breach-of-contract caused me an irreparable housing hardship still adversely experienced today. I have not recovered from the harm Chase Bank caused by bundling my mortgage, probably for pennies on the dollar, and selling to the highest corrupt corporate land-grab bidder. I made every payment on time per the terms of the contract for over 2 years in hopes of gaining permanent modification status for the agreed-upon {$1400.00} monthly payment. Id like to discuss reinstatement of the rescinded trial-modification contract terms. Better yet, right this wrong and write off my mortgage as a gesture of atonement for this inhumane housing-insecurity transgression. 

I spoke with a Chase Bank representative in XX/XX/XXXX to give them an opportunity to resolve the issue. Chase Bank executive team member XXXX XXXX about my grievance and I have been asking Chase Bank representatives to please provide me with data regarding how many modification contracts they breached during the XXXX housing crisis. Chase Bank representatives refuse to provide me with the requested data on breached contracts. Chase Bank representatives say that they conducted an internal investigation based on my claims of discriminatory banking practices, and they say that no discrimination was discovered during the internal investigation. 

This is why I am calling for data to be provided from Chase Bank that shows the number of XXXX homeowners that had their trial modifications breached by Chase Bank. Chase Bank has pledged 30 XXXX in funding to provide to POC communities for new home loans, but they refuse to do anything to make restitution to the homeowners whose modification contracts were breached even though Chase received billions if not trillions in federal bailout funding to help distressed homeowners. 

Why is Chase bank being allowed to get away with breaching modification contracts and why do they not have to provide data that shows XXXX people were not targeted for discrimination. Chase Bank 's actions are criminal and they should be held accountable to the homeowners that they harmed before rolling out programs to help future buyers.

Company response to consumer: Closed with explanation