vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-27 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  account XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX MANAGEMENT # 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 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 602 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 2022-09-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I'm unaware of who I should direct this inquiry so my apologies if you don't handle this but my " Statement of Vehicle Sale '', the " Retail Installment Contract '' and what the dealer told me are all completely different prices. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2011 XXXX XXXX XXXX Door Sedan Vehicle Mileage - XXXX miles ***** '' Statement of Vehicle Sale '' ***** Plate Fee - {$110.00} Title Fee - {$15.00} Sales Tax - {$480.00} Purchase Price of Vehicle - {$7900.00} Other Taxable Charges- {$210.00} Total - {$8100.00} Non Taxable Charges - {$1700.00} Total Delivered Price - {$10000.00} Down Payment - {$1200.00} Unpaid Balance Financed- {$9200.00} Total of Finance Contract - {$14000.00} XXXX '' Retail Installment Contract '' **** Motor Vehicle Cash Price - {$7900.00} Paid to Public Officials for Certificate of Title XXXX {$23.00} Sales Tax - {$490.00} Document Preparation Fees - {$220.00} Non Taxable Charges - {$1700.00} Cash Price - {$10000.00} Down Payment - {$1200.00} Unpaid Balance Financed- {$9200.00} Finance Charges - {$5300.00} Total of Finance Contract XXXX {$14000.00} ***** '' Dealer Advertised Pricing and Actual Deposit Amount '' ***** Motor Vehicle Cash Price - {$5900.00} Sales Tax - {$350.00} Document Preparation Fees - {$220.00} Gap Coverage - {$1700.00} Down Payment - {$2000.00} Unpaid Balance Financed- {$6300.00} Finance Charges - {$2900.00} Total of Finance Contract XXXX {$9200.00} If this is not something your department handles I would appreciate if you could point me in the right direction. 

Thank you, 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 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Transunion has made several errors in the past several years with combining my twin sisters credit information with my information and merging our accounts together after requesting the accounts be fixed. I have tried to refinance my home on 3 occasions. Each time I have been denied due to inadequate credit information. This happened in XXXX when I bought my home. Again XXXX when I attempted refinance, and now again XX/XX/XXXX when I was trying another attempt to refinance before interest rates increased. I could have refinance in XXXX with a lower interest rate if the information was correct in the system. I have been on the phone at least 5 times with Transunion and supervisors in there special unit department. The most recent dates and talking with 2 people each date is XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I am currently unable to even pull a report now because they have given me my sisters SS # and made her name my alias now. So now I am no longer able to pull a credit report, because they say I am unable to be located. I have received a credit in the mail twice with my name on it and now her name on it with using XXXX social security number, sometimes hers and sometimes my correct number. They have really made this very confusing for the creditors. Each time I call Transunion, they report the error has been fixed, however that is not true and the situation continues to escalate. I need the two names and SS # been recognized as two separate individuals and have the correct credit information under the correct person!!!!! My next step will be legal due to the prevention of my ability to refinance etc!

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 2022-09-27 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: MS

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-09-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: AmeriCash Holding LLC
State: WI

Complaint narrative:
Something only wrong with small amount for {$250.00} and now they're trying to get over {$1000.00} for me and consumers only paid what they owe and I did already make payments back towards the loan

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Accounts XXXX # XXXXXXXX XXXX XXXX  # XXXXXXXX XXXX # XXXXXXXX XXXX  # XXXX, XXXXXXXX XXXX # XXXX, XXXX XXXX # XXXXXXXX XXXX XXXXXXXX # XXXXXXXX XXXX # XXXXXXXX XXXX XXXX  # XXXXXXXX XXXX # XXXX, XXXX # XXXXXXXX XXXX XXXX  # XXXX, XXXX # XXXX, XXXXXXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX 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.

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 2022-09-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have a few hard inquiries on my credit report from XXXX XXXX and capital one and I didn't authorize and I didn't give permission for my credit to be ran. I would like for those inquiries to be reflected as deleted off of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-27 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: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I applied for financing with XXXX XXXX through this company and was approved for {$1000.00} for a procedure that was scheduled for in the future. I was not made aware that the dental office would be charging the entire amount that same day even though my procedure was scheduled for a later date. I should not have been charged until service was provided. I still have yet to have the procedure done and am carrying a balance which shows on my credit report as of today in the amount of {$820.00} when it should be {$0.00} balance. I've called XXXX three times and which I am currently on the phone with the fraud department and am being transferred to a " specialist '', however got transferred to a Customer Service Rep yet again. I received a call from them earlier today and not sure why but I keep receiving calls as if I'm late on a balance that shouldn't exist. Each time I've called I've been told that it is under investigation, it's been over two months, they state it takes 60 days for an investigation to be completed. The request was put in on XX/XX/18. I would like for XXXX to report the accurate balance on my Credit Report or either rescind this contract. When I requested information about rescinding this because of the lack to resolve this issue as well as lack of customer service I was told I couldn't flat out and I know that goes against my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: CA

Complaint narrative:
these inquires/accounts are fraud accounts/inquires 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

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 2022-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ARVEST BANK GROUP, INC.
State: AR

Complaint narrative:
I withdrew {$5000.00} out of my account to purchase lumber five days ago and the next day I tried to login my account online and it stated it was locked so I called and the rep stated I need to go to the bank so I did. Once I arrived at the branch in XXXX, Arkansas to find out whats going on, the assistance manager XXXX said that my account is being closed because I have had a lot of transactions in my account so the bank think Im money laundering. which is definitely not the case so they went off their assumptions and decided to close my account without any facts or proof.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: OH

Complaint narrative:
I previously submitted a police report and FTC report for items that are listed on my credit report that do not belong to me. I have attached the documents.

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 2022-09-27 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: CT

Complaint narrative:
XXXX XXXX. XXXX XX/XX/XXXX case was closed with XXXX balance. XXXX XXXX. XXXX XXXX, XXXX for XX/XX/XXXX from the insurance payment balance XXXX settled for XXXX. From XX/XX/XXXX to present the account is considered late and open. 
In accordance with Federal credit reporting Act this creditor credit acceptance has violated my rights under 15USC 1681 Section 602 states that I have a right to privacy. 15USC 1681 Section 604 a section 2 states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment under a open consumer credit plan as late for any purpose.

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 2022-09-27 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: EQUIFAX, INC.
State: CT

Complaint narrative:
XXXX XXXX. XXXX XX/XX/XXXX case was closed with XXXX balance. XXXX XXXX. XXXX XXXX, XXXX for XX/XX/XXXX from the insurance payment balance XXXX settled for XXXX. From XX/XX/XXXX to present the account is considered late and open. 
In accordance with Federal credit reporting Act this creditor credit acceptance has violated my rights under 15USC 1681 Section 602 states that I have a right to privacy. 15USC 1681 Section 604 a section 2 states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment under a open consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: CT

Complaint narrative:
XXXX XXXX. XXXX XX/XX/XXXX case was closed with XXXX balance. XXXX XXXX. XXXX XXXX, XXXX for XX/XX/XXXX from the insurance payment balance XXXX settled for XXXX. From XX/XX/XXXX to present the account is considered late and open. 
In accordance with Federal credit reporting Act this creditor credit acceptance has violated my rights under 15USC 1681 Section 602 states that I have a right to privacy. 15USC 1681 Section 604 a section 2 states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment under a open consumer credit plan as late for any purpose.

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 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: GA

Complaint narrative:
I was turned down by XXXX  XXXX XXXX XXXX due to Lexis Nexis Business reporting. 
I have not been able to get this report, trying numerous times. 
It is my legal right to have access to this report. 
They have a XXXX world company answering their phones for XXXX consumers/business people, I have called them many times and have uploaded all of their information requested and they still won't send my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: MS

Complaint narrative:
This complaint is regarding accounts. Per track, it's been several months with no information given, no investigations performed, and timely updates. Violates federal 15 USC 1692gf. I never authorized or given permission per 15 U.S. Code 1681 ( b ), which violates permissible purposes moreover, 15 U.S. Code 1681e ( B ) The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
There is inaccurate information on my Transunion consumer report. I have already contacted Transunion and submitted a dispute. They are stating that there is a judgement of possession against me. The Attorneys confirmed that I returned the keys to the apartment complex and there was no need to come into court because the case was dismissed. I received a letter stating that the case was dismissed. I moved due to mold and the apartment window falling on my child. There was no balance due, and nothing was on my rental history reports from XXXX in XXXX this inaccurate information is on my report. I disputed this inaccurate information with XXXX on XX/XX/XXXX when I applied for an apartment for XXXX XXXX. The inaccurate information was removed. I applied to XXXX XXXX apartments who use a service provided by XXXXXXXX declined my rental application due to the inaccurate rental information. I disputed the information and TransUnion refused to remove it. I am requesting that the information be removed because it '' XXXX not correct. I was never evicted, and I do not owe any funds. 


Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX CO XXXX XXXX : XXXX XXXX XXXX XXXX State : CO Court File Number : XXXX Filing Date : XX/XX/XXXX Release Date : XXXX Record Reported Date : XX/XX/XXXX Amount : {$0.00} Action Type : Judgment Of Possession Filing Type : XXXX XXXX Plaintiff : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 2022-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: TX

Complaint narrative:
They emailed me they closed my account due to breaking a deposit policy, Ive used them for years with the same deposit. They owe me {$5000.00} in money in my account and wont respond to me. I can not even call them they said my account is closed and to email. I looked online & they did this to hundreds of people. I have {$0.00} to my name. They stole it and are not giving me access to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
A company by the name of XXXX XXXX is fraudulently reporting that I opened an acct on XX/XX/2018! Its reporting a balance of {$4600.00}! I want this deleted from the Experian 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 explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK
State: AZ

Complaint narrative:
I, natural man consumer, hereby demand to OPT OUT of negative reporting of Late payments/ transactions and experiences ( utilization ) of my nonpublic personal information pursuant to 15 U.S. Code 6802 ( b ) I demand that you Discover stop reporting late payments to credit agencies ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX any other credit agencies. The only Credit Bureau is the CFPB. I have a open-credit plan and it can not me late. Remove any false or deceptive reporting immediately. You, Discover, are casing harm to me pursuant to 15 U.S. Code 6801 - Protection of nonpublic personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
On XX/XX/2022, my wife was called by a person purporting to be a police officer notifying her that a warrant had been issued for her arrest for failing to appear for Jury Duty. 

She was required to send XXXX payments to clear the matter. 

She did so in the amount {$3000.00} ( 2 transactions of {$1500.00} each ). Within minutes of the transactions, I contacted the local sheriff who confirmed it was a scam. 

We immediately contacted Wells Fargo Bank ( within 10 minutes of the transactions ) and they claimed they could do nothing about 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