vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I have a loan with GMA Financial. We got behind because we were fighting to adopt our foster son after he was abused and at risk of being returned to his abusers we had over {$50000.00} in legal fees. This Vehicle is our only vehicle my wife file bankruptcy and this is part of the bankruptcy. Our truck was repossessed on XX/XX/XXXX however law enforcement was not notified nor we were until XX/XX/XXXX with a letter stating our truck was going to be sold on XX/XX/XXXX. I am attaching my mail log from XX/XX/XXXX showing I just got the letter. - with 1 day to avoid the sell. 


The police were called on XX/XX/XXXX and a police report was made due to the fact that law enforcement was not contacted about the repossession.. As of today XX/XX/XXXX the truck is still considered as stolen in the sheriffs database because again GMAC never contacted law enforcement. The police report case number is XXXX- We filed an insurance claim and this is on open investigation with our insurance- again because we thought our truck was stolen. We have also been in a rental - expected to be paid by our insurance company. 


We had no idea our truck was repossessed. The local law enforcement was not notified of GMAC intent to seize the vehicle beforetherepossession. - resulting in police reports filed and insurance claims filed and us renting a car. 




We got the attached letter dated XX/XX/XXXX - on XX/XX/XXXX giving us NO time to do anything. The le Please advise what we need to do to get our truck back and why the police we never notified about the repossession and why police were never notified, why is our vehicle still considered stolen and what about the insurance claim that has been made. 


XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Continuously contacting Credit Bureau regarding erroneously reporting information* on my credit report which they are knowingly and willingly refusing to remove. 

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 TRANSUNION 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 2023-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Continuously contacting Credit Bureau regarding erroneously reporting information* on my credit report which they are knowingly and willingly refusing to remove. 

EXPERIAN : 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

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 2023-04-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
Aidvantage has my loan previously services by XXXX. It had two other servicers before that, as I graduated and started repayments in XXXX. Aidvantage only shows history going back to XXXX. I'm afraid the years that I was steered into forbearance or deferment will not be accounted for in determining my loan adjustments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This collection below has already been cleared/paid for and needs to be removed from my credit report as soon as possible. Please see the clearance and payment receipt in the attachments. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) These inquiries are fraudulent and do not belong to me : XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023

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 2023-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: VA

Complaint narrative:
I am writing to file a complaint against VanillaGift.com regarding a gift card I purchased and used. I initially funded the gift card with {$500.00}, but after using {$190.00}, I checked my online balance only to find that my balance was only {$100.00}. Upon further investigation, I discovered that someone else had used the card before I started using it, without my authorization. 

I immediately contacted VanillaGift to dispute the fraudulent activity on my gift card. They assured me that they would investigate the matter and replace the gift card within 45-90 days. I was assigned XXXX # XXXX. However, it has now been more than 90 days, and despite several attempts to follow up on the case, I have not received any resolution.

Every time I call VanillaGift, they put me on hold and tell me that they have escalated the case. However, they have escalated the case three times now, and there has been no change in the status of the case. This is very frustrating, as I have been waiting for a resolution for a long time.

I am requesting that VanillaGift replaces my gift card with the appropriate balance of {$300.00}, as I have been a victim of fraud. I hope that the Consumer Financial Protection Bureau can investigate this issue and ensure that VanillaGift provides me with the resolution I am seeking.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent a dispute that the account did not belong to me about a account that was closed and charge off and they reopened the account instead.

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 2023-04-28 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent a dispute that the account did not belong to me about a account that was closed and charge off and they reopened the account instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: PA

Complaint narrative:
10 POTENTIALLY NEGATIVE MONTHS Balance details 0 % paid off Balance {$58000.00} Balance updated XXXX XXXX, XXXX Original balance {$47000.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX Account type Auto Loan Payment summary 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 PAYMENT HISTORY LEGEND Status Repossession. {$57000.00} written off. {$10000.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Past due amount {$10000.00} Original balance {$47000.00} Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 72 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 2023-04-28 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: TX

Complaint narrative:
XXXX 's response is that they gave me the summary of results on XXXX XXXX 
However, I received no invoice or summary of results and zero knowledge of this amount owed. There is no certified mail or evidence that I received such notice as surely I would have disputed immediately instead of this inaccurate charge hitting my credit report. 

I have no idea what this charge is for or who this company XXXX XXXX is. I do not owe this really high debt. They sent an invoice with zero explanation what this is and what it is for. I've had no business dealings with this company. This has caused me to be denied housing and causing me financial hardship. If this does not get removed asap I will have to seek legal action for all those involved. ACCOUNT : XXXX NAME : XXXX XXXX AMOUNT : {$4800.00} In accordance with the Fair Credit Reporting Act, This account has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate. I have already submitted several letters sent via certified mail to resolve these inaccuracies and received no proof or help of these accounts should not be able to just say I owe money that I do not owe with zero evidence. If it was verified accurate, what method was used? Where is the evidence that it is accurate? This XXXX XXXX  company just sent an invoice with no details. This needs to be removed off my account asap and I may now have to start a litigation case against the company.

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 2023-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
These inquires below I don't recognize and are fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-04-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank just doesnt work good for me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: PA

Complaint narrative:
10 POTENTIALLY NEGATIVE MONTHS Balance details 0 % paid off Balance {$58000.00} Balance updated XXXX XXXX, XXXX Original balance {$47000.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX Account type Auto Loan Payment summary 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 PAYMENT HISTORY LEGEND Status Repossession. {$57000.00} written off. {$10000.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Past due amount {$10000.00} Original balance {$47000.00} Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 72 Months

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect
State: IL

Complaint narrative:
Several months ago in 2022. I received a notice from Americollect INC out of XXXX, Wisconsin. In this one page letter is requested payment from XXXX XXXX and said it was an attempt to collect a debt. The amount listed was incorrect because I had previously got on a monthly payment plan with XXXX and they were billing my account, so I knew instantly the amount was XXXX plus upon calling XXXX I was informed personally that they had not given my account to Americollect. I called Americollect and told them two things, I was disputed the amount and acording to XXXX they were not authorized to collect the debt. The agent informed me, which I already knew that I needed to put this in writing. I did this withing 2-3 days. I wrote Americollect and clearly stated that I was disputing the debt based on the amount and I was requesting verification of the debt. I speciallcally requested coppies of the original bill from XXXX, and I requested proof that they had a legal right to even collect the debt because XXXX was saying they had no record of my account being placed with them. I have proof of delivery from this letter that was sent to Americicollect which folloed the Fair Debt Collect Protect Act. Americollect never responded! Instead of responding they started a pattern on ongoing and persistant phone harrassment. For months and even to this day I receive at minmimum 4-5 automatic calls a day, including the weekend. I have called Americollect many times requesting the information, requesting that the harrassment stops and the harrassment continues and no proof of the debt or even their agreement from XXXX to collect this debt has been provided. I just spoke with a supossedly superviser earlier that week who stated that she " can't stop the calls '' and the only place that can provide me information about this debt is XXXX, YET Americollect has reported by to all the major credit bureaus, yet refused to comply with the federal Fair Debt Collect Act. They are blantly refusing to follow this act. I have attempted for months to resolve this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
It's been brought to my attention that the CRAs are reporting and accurate information according to according to the 15 USC 16 08 it is their grave duty to report accurate information however they're reporting negative information on the consumer. The reports are causing me harm as a consumer not allow me to obtain personal household goods so in all it's all an adverse action I'm unable to sleep I'm stressed and worrying about something that already is governing by law that consumer report agencies should not have late payments on a consumer. According to 15 USC 1681 ( A ) it is the credit reporting agencies grave responsibility to report accurate information however they are reporting information that is violating the consumer. Please stop reporting late payments in consumer transaction. Under title 15 USC 1666 ( A ) ( 2 ) any such information pertain to all Credit reporting agency information that is making it hard for me to obtain goods and service unfavorable to the consumer. According to what I see on Metro 2 you all are reporting unaccurate information and this information is a violation to the consumer It's a detriment that you all stop reporting inaccurate information. Please provide me with the name of the people that you have received this information from and I mean a human being what is their name and when did you receive the information I need such information as soon as 5 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have incorrect information on my credit report. I have 2 derogatory late payments incorrectly reporting on my account. The 1st late payment is from XX/XX/2022. The 2nd late payment is from XX/XX/2022. I need these late payments removed immediately as they are incorrect. I have sent in dispute letters and tried contacting XXXX, experian, and XXXX by phone and have received no help.

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 2023-04-28 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: NC

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

XXXX  Account # XXXX has violated my rights. 

XXXX  Account # XXXX has violated my rights. 

XXXX  Account # XXXX has violated my rights. 

XXXX  Account # XXXX has violated my rights. 

XXXX  Account # XXXX has violated my rights. 

XXXX  Account # XXXX has violated my rights. 

XXXX Account # XXXX has violated my rights. 

XXXX  Account # XXXX has violated my rights. 

XXXX Account # XXXX has violated my rights. 

15 U.S.C 1618 Section 602A states I have the right to privacy. 15 U.S.C 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 1618c. ( 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 antecedents the report by more than seven years. 15 U.S.C 1618 s-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 2023-04-28 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: NC

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

XXXX  Account # XXXX has violated my rights. 

XXXX  Account # XXXX has violated my rights. 

XXXX  Account # XXXX has violated my rights. 

XXXX  Account # XXXX has violated my rights. 

XXXX  Account # XXXX has violated my rights. 

XXXX  Account # XXXX has violated my rights. 

XXXX  Account # XXXX has violated my rights. 

XXXX  Account # XXXX has violated my rights. 

XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1618 Section 602A states I have the right to privacy. 15 U.S.C 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 1618c. ( 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 antecedents the report by more than seven years. 15 U.S.C 1618 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: TX

Complaint narrative:
Company 's response is that they gave me the summary of results on XXXX, XXXX. 
However, I received no invoice or summary of results and zero knowledge of this amount owed. There is no certified mail or evidence that I received such notice as surely I would have disputed immediately instead of this inaccurate charge hitting my credit report. 

I have no idea what this charge is for or who this company XXXX XXXX is. I do not owe this really high debt. They sent an invoice with zero explanation what this is and what it is for. I've had no business dealings with this company. This has caused me to be denied housing and causing me financial hardship. If this does not get removed asap I will have to seek legal action for all those involved. ACCOUNT : XXXX NAME : XXXX XXXX  AMOUNT : {$4800.00} In accordance with the Fair Credit Reporting Act, This account has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate. I have already submitted several letters sent via certified mail to resolve these inaccuracies and received no proof or help of these accounts should not be able to just say I owe money that I do not owe with zero evidence. If it was verified accurate, what method was used? Where is the evidence that it is accurate? This pro collect company just sent an invoice with no details. This needs to be removed off my account asap and I may now have to start a litigation case against the company.

Company response to consumer: Closed with explanation