vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-01 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: GA

Complaint narrative:
After reviewing my credit report, I am dissatisfied to see the following items that are still showing up in there, despite the fact that I have informed you that they are inaccurate and detrimental to my credit score, and they can still be seen in there, which is causing me to become increasingly irritated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX, I purchase and new XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX of XXXX XXXX, Ca. The price of the vehicles was {$39000.00}, I make and down payments of {$5000.00} XX/XX/XXXX and a payment of {$5000.00} XX/XX/XXXX, on XX/XX/XXXX, GM Financial of XXXX XXXX XXXX XXXX, Texas XXXX Stated that the vehicle was under a vehicle lease 39 Months, on XX/XX/XXXX, GM Financial repossessed the vehicle stating default Motor vehicle lease Agreement., I informed GM Financial that had made monthly payments Of {$400.00} for ( 39 ) months and that I have never sign and with GFM Because the lease application was denied by the dealership and GFM On XXXX  Ive presented GMF with poof letter of lease denial dated XX/XX/XXXX, and the lease and payment account is Fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 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: IA

Complaint narrative:
My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor are they related to anything I did. Im unaware of any of this. All is being investigated by the FTC.

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 2022-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I am XXXX XXXX, I am submitting this complaint for myself. No third party is involved. Unknown account appears suspicious. Portfolio Recovery stole my identity. I never gave Portfolio Recovery permission to have my personal information which constitutes identity theft. This alleged account is deceptive and suspicious. No response has been provided. It has been over 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Diners Club states on their website at https : XXXX. as below. 
However the reality is that Diners Club XXXX XXXX does not accept merchant disputes and does not investigate anything, and has no consumer protection against unscrupulous merchants. Diners club XXXX XXXX has no functionality for submitting disputes online, and if you try to call them, they will tell you that they are simply a payment processor and will not get involved in merchant Disputes 'Q : How do I dispute a charge? 
A : Transactions can be disputed by phone, in writing, or directly from your online statement. Online just enter the necessary information and submit the form. Written notification of dispute should be mailed to Diners Club, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Your inquiry is sent directly to our Customer Service Research Department. It usually takes from 45 to 60 days to research a dispute. You can also contact Customer Service at 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 2022-04-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: ND

Complaint narrative:
On multiple occasions between XX/XX/XXXX and XX/XX/2022 I have contacted Wells Fargo for information on my XXXX XXXX mortgage loan. I have provided judge signed probate papers naming me as the estate administrator and they are still refusing to provide valuable information related to the mortgage loan. 

I spoke with a representative tonight, XX/XX/2022, who wouldnt give me payoff or payment date information.

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 2022-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I received the copy of my credit report and found inaccurate information, there are late payments showing when I am not really late on this account.

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 2022-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
For years now I have been trying to work out loss mitigation options with the bank. 
Now I am now in foreclosure and there is a sale date of XX/XX/2022 I sincerely believe that the Bank / Lender are using the process to toll my account to build up fees interest and penalties to eat up the equity in my home and take my home from me. They are using my home as a cash register for Their benefit. 
Also the bank has committed fraud including counterfeiting to try and steal my home from me. See attached letter

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 2022-04-02 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: GA

Complaint narrative:
I received the copy of my credit report and found inaccurate information, there are late payments showing when I am not really late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
XX/XX/2022 Talked to 3 different associates of this company they had my name wrong address wrong as well as email and phone number wrong they asked if i ever had XXXX XXXX XXXX XXXX I explained I didnt I asked for a validation letter and proof that they own or they have been assigned this debt waiting on email as well as follow up letter the amount owed was in the amount of {$3500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-02 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: FL

Complaint narrative:
I'm in the process of purchasing a home. I looked over my credit report and I noticed that there are inquiries on my credit report that I did not authorize. Every Inquiry that is not attached to an active account I did NOT authorize and needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 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: FL

Complaint narrative:
I'm in the process of purchasing a home. I looked over my credit report and I noticed that there are inquiries on my credit report that I did not authorize. Every Inquiry that is not attached to an active account I did NOT authorize and needs to be removed 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 2022-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Redemption of miles shown for charge never made. Company refuses access to credit card account and replacement of card never received, including change of address to receive account documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 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: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX # XXXX, XXXX XXXX # XXXX, XXXX CARD # XXXX, XXXX CARD # 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 604 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 2022-04-02 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: C/C Financial
State: PA

Complaint narrative:
In XXXX XXXX XXXX, someone stole my identity to borrow {$3600.00} from Preferred Lease to help them pay for their rent. The account is XXXX. It has a {$3600.00} balance and it was closed in XX/XX/2021. Now, the account remains on my credit report as a negative impact on my credit score. I haven't gotten ahold of the fraud department.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: OR

Complaint narrative:
My complaint is about FedLoan Servicing ( myfedlaon.org ). 
I am a student borrower. 

My complaint is that they are not properly responding to my email questions or phone calls. The email responses I get are boilerplate information from their public announcements and do not directly address my questions. Also, the phone number their emails refer my to ( XXXX ) operates on a perpetual hold ( I have waited up to XXXX minutes, twice ). 

The context of my questions is, why was only a portion of my student loans dismissed under my Public Service Loan Forgiveness application? Are there steps I need to take to get the rest of my loan balance dismissed? What do they need from me? 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 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: Financial Management Solutions, LLC
State: MD

Complaint narrative:
My XXXX  XXXX XXXX discharged XXXX XXXX XXXX. FMS  was notified by the bankruptcy court, XXXX, and myself of the discharge which includes them as a creditor. Early XXXX XXXX XXXX, I followed up with FMS legal department to inform them that they're illegally reporting a balance currently being owed and was told that they would update my credit report to show as included in bankruptcy. As of today, FMS has not resolved this issue and they're still reporting a balance owed. All of this after being provided a letter that I'm no longer liable for the account. 

I've made contact in XXXX and XX/XX/XXXX via XXXX and via email XX/XX/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 2022-04-02 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:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 U.S. DEPARTMENT OF EDUCATION 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 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 non-monetary relief
Consumer complaint received 2022-04-02 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: PA

Complaint narrative:
Upon review of my credit profile I noticed inaccurate personal information. My name, address and employer need to be updated immediately. This false information needs to be removed 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 2022-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: LA

Complaint narrative:
This happened 2 years ago. My spouse and I were threatened multiple time over the phone. It got so bad to were one worker threatened to physically harm us. The repeatedly called my phone they even called my job.Even a woman called threatening that we wouldnt get a house, the we would be homeless if we didnt pay. Im praying that all these calls were recorded .This was originally a {$300.00} from town XXXX XXXX XXXX late XXXX XXXX XX/XX/2020 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I drove to XXXX XXXX XXXX XXXX on XX/XX/2022 to go hiking around XXXX. I left my car on the side of the road that is authorized for public parking. I come back to my around XXXX, and it's been broken into. 

I check my wallet and my two credit cards are stolen. I report all fraudulent activity to my banks. 

There were multiple fraudulent charges on my Chase credit card, including, but not limited to, purchases at XXXX XXXX XXXX and XXXX. Chase resolved the transaction at XXXX XXXX XXXX. Chase did not resolve the transaction at XXXX. I had to call multiple times since XX/XX/2022 to inform them that the transaction is fraudulent. Now, they've sent me a report saying that I informed them that the transaction was valid. Chase 's phone records will indicate that I have called multiple times to inform them of the fraudulent activity. 

My driver side door key cylinder and glove compartment key cylinder are damaged. I have claims from my car insurance ( XXXX ) to prove they were damaged. I have video evidence to prove that I was in XXXX XXXX XXXX XXXX at the time of the theft and transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I opened an account with a car dealership before the year XXXX, last transaction on that loan was XXXX. It's still reporting on my credit as and owed debt. It shows transaction was taken XXXX XXXX XXXX. Which is untrue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 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:
My XXXX  XXXX bankruptcy discharged XXXX XXXX XXXX. XXXX was notified by the bankruptcy court, Experian, and myself of the discharge which includes them as a creditor. Early XXXX XXXX XXXX, I followed up with XXXX legal department to inform them that they're illegally reporting a balance currently being owed and was told that they would update my credit report to show as included in bankruptcy. As of today, XXXX has not resolved this issue and they're still reporting a balance owed. All of this after being provided a letter that I'm no longer liable for the account. 

I've made contact in XXXX and XX/XX/XXXX via Experian and via email XX/XX/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 2022-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
GENESIS CRDT- not legally licensed and bonded to collect debt on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
On XX/XX/2022, and XX/XX/2022, I, XXXX XXXX XXXX sent XXXX, and Equifax a letter stating to remove the incorrect addresses. Later on in the month, I spoke with XXXX and he stated they received the letter on XX/XX/2022. He told me that I would have to wait 30 days from then for the dispute to process. It is XX/XX/2022, and they have yet to deleted the inaccurate addresses. I have attached the letters asking them to delete this information. This is a violation of my rights under the FCRA 15 USC 1681b ( a ) ( 2 ). I never gave XXXX and Equifax written consent to report any addresses let alone these inaccurate addresses. They also have a name by XXXX XXXX XXXX and XXXX, XXXX are not my names and it needs to be deleted as well. XXXX is well aware of the disputes as they have said they received it and are now in violation of 15 USC 1681n for knowingly reporting this information as it has caused me to miss out on multiple opportunities with finding housing. I seek remedy as a protected consumer. Please contact me as soon as XXXX and Equifax responds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 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: National Credit Systems,Inc.
State: MS

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 consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 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: IA

Complaint narrative:
My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor are they related to anything I did. Im unaware of any of this. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, Account Number 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 2022-04-02 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:
My Name is XXXX XXXX, and somebody has stollen my Identity.

Company response to consumer: Closed with explanation