vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-24 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX is reporting late payment for XXXX, XXXX, And Experian! Multiple disputes have been sent in to them with no update - no investigation and no replies back from company & credit bureau. Inaccurate information is affecting my ability to obtain credit! Violation of 15 U.S.C 1681G XXXX XXXX  Bankruptcy with Experian XXXX XXXX - Inaccurate reporting! This account is showing two different dates that a bankruptcy was filed/reported. It is also showing inaccurate reporting with the court it was " filed with ''. Bankruptcy on a persons consumers report is a Violation of title 15 USC 168 - right to privacy. Despite 9 written letters to the credit Bureau 's - this account is still reporting inaccurately affecting my ability to obtain credit. 

XXXX XXXXXXXX XXXX XXXX Reporting for Experian XXXX XXXX- was included in bankruptcy - reporting inaccurate information - open date is wrong - credit limit is wrong - payment status is incorrect - reporting date is wrong - active date is wrong - and bankruptcy on a persons consumer report is a Violation of title 15 USC 168 - right to privacy. I've sent out 9 Dispute letters with nothing resolved! 

XXXX XXXX - Experian & XXXX - Reporting incorrect information! Open date = wrong. Account type is showing different details for both credit Bureau 's. High credit is incorrect and has two different numbers. Credit limit is inaccurate and showing two different numberes. No proof of investigation despite 9 letters to credit Bureau 's. This was included in bankruptcy - and bankruptcy on a persons consumer report is a Violation of title 15 USC 168 - right to privacy. 

XXXX - Experian XXXX XXXX - This was included in bankruptcy - and bankruptcy on a persons consumer report is a Violation of title 15 USC 168 - right to privacy. On top of that - Credit limit is inaccurate - payment status is inaccurate - and active date is inaccurate. 

XXXX - XXXX - This was included in bankruptcy - and bankruptcy on a persons consumer report is a Violation of title 15 USC 168 - right to privacy. 

XXXX XXXX - Experian & XXXX XXXX account showing closed, paid and open - account is also showing one missed payment when there wasn't any missed payments. Despite 9 written letters - no change - no reply - and no update.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have submitted 4 certified letters to Transunion, XXXX, and XXXX Credit Bureaus. The letters I submitted disputed the creditor of XXXX XXXX closed account as a charge-off. I have requested to have my signed application as verification of debt, yet each credit bureau has yet to produce the documentation nor delete the creditor from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have submitted 4 certified letters to XXXX, XXXX, and Experian Credit Bureaus. The letters I submitted disputed the creditor of XXXX XXXX closed account as a charge-off. I have requested to have my signed application as verification of debt, yet each credit bureau has yet to produce the documentation nor delete the creditor from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : US DEPT OF EDXXXX Account number : XXXX 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.

15 U.S.C 1681c. ( 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 antedates the report by more than seven Years.

15 U.S.C. 1681s-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 non-monetary relief
Consumer complaint received 2023-01-24 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: Exeter Finance, LLC.
State: TX

Complaint narrative:
I didnt not authorize this company to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: VYSTAR CREDIT UNION
State: GA

Complaint narrative:
The letter that was sent to me states this was for VyStar credit union. I dont owe them a dime me and my husband walked into the establishment and close the accounts. Anything that was owed we paid at that time I have not had an account any other time with this company the only time Ive done business with VyStar is back in XXXX I have never done business with XXXX XXXX XXXX. The correspondence they sent had my maiden name on it. Ive been married for over XXXX years and wouldnt have anything with my maiden name on it. The claim they are coming after me with would be over XXXX XXXX XXXX at this point.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I closed my Wells Fargo account back in 2018 because my account was always overdrawn by fees that would come out of absolutely no where! I also made a claim because at one point someone stole my bank card, and made purchases. The claim was denied and I was never credited the money back. Eventually this account went into collections because of all the fees and strange activity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
This company has repeatedly used the terms " charged off '' in reference to my auto loan since XX/XX/XXXX. When calling in on XX/XX/XXXX they even refused to take ANY payment at all. The woman told me they didn't even own the loan anymore that it was sold and charged off and my best bet is to trade the car in before the collections company comes for it. Which I could not because Wells Fargo refused to release any information even after signing the paperwork at the dealership giving them permission to retrieve the information. They even told the dealership the loan is charged off with collections. I've filed two disputes and each one the company has DENIED having any communication with us and DENIED telling the dealership anything even though I was right there and heard it all. Today XX/XX/23 my car was repod and the repo driver told me Wells Fargo did not own the loan anymore but he could not tell me where the car was being taken to or who owns the loan that he is not allowed to disclose that Wells Fargo has to. So I called Wells Fargo to which they said they have the loan and once again would not work out reasonable payments and demand the full payment or it could be broken down into four. Which can not happen because they charged off the loan so we can not get a loan for any amount because of the status they put it in. We have expressed MULTIPLE times that all we need is for them to let us start fresh with one month payment due and we would be able to get back on track. I did not want to bring an attorney into this because I figured with all the law suits they already have for people literally in the same exact situation they would be willing to work with us. This company lies and is not willing to work with anyone. They even denied us deferment during covid when they legally had to work with us. I will not drop this until the company can make a reasonable payment plan with us even if I have to join the multiple lawsuits. The letter below doesn't say one word about repossessing the vehicle. It also doesn't give a time frame for when payment is due. It also came before the company told us the loan is charged off and no long active that payments can not be received towards it. I would also like to add that our contract has no loan or account number on it and the company has not offered to give the money we paid for GAP insurance back and we are legally entitled to it. My attorney also states it is illegal to " charge off '' an auto loan account without taking the car and selling it first. The tow truck driver also said he knows he is taking it to an auction lot but yet the company is required to send that information to us XXXX certified mail and has not done so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NE

Complaint narrative:
I received money from a cousin to help defray the cost of my younger brothers funeral expenses by way of Venmo. When I tried to have that money transferred to my bank account on the XXXX of XX/XX/2023 I thought it was going to go through. I checked back a few days later the XXXX and found that the transfer was canceled by Venmo and my account was locked. I tried to resolve the problem by email as suggested and am unable to get any type of explanation as to why exactly my account was locked. The amount is XXXX. I tried both email and phone calls to resolve the issue and my account is still locked we need that money asap!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
I received a phone call XX/XX/16, XXXXXXXX XXXX from someone stating to be a XXXX XXXX XXXX courier service ( XXXX ) XXXX. The gentleman stated that I needed to designate a time to be served and that this was the final attempt before the courts would take action. I arranged for delivery before XXXX that afternoon. He game me the number for the debt collector, XXXX XXXX, ( XXXX ) XXXX, whom I called XX/XX/16, XXXXXXXX XXXX. He never followed up. 

XXXX XXXX stated that I had a Chase Bank debt in excess of {$8000.00} that the court would pursue in full once I was served. He further stated that the settlement amount of {$4000.00} could still be negotiated if he contacted the attorneys handling the Chase bank debt. He put me on hold for several minutes and told me that the attorney had agreed to the payoff amount of {$4000.00} over the phone, however, once I was served I would have to pay in full. 

When I stated that I had filed a complaint with the CFPB years before he claimed that there have been legal changes which now allowed debt collectors up to 10-years to pursue debts. He assured me that XXXX XXXX XXXX would aggressively pursue this debt. I ended the call. 

I have had no further contact with anyone regarding this complaint. 

Thank-you for your help in pursuing this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: Peoples Credit Inc.
State: IL

Complaint narrative:
On XX/XX/2023 I had a car company my boyfriend was buying a car at run my credit report ( hard report ) without my consent and or knowledge. I told them that I didnt want to be on the deal yet they ran my report twice that day and then again on XX/XX/2023. And when trying to get my personal information back from said company it was impossible. I would like these fraudulent credit runs taken off my credit report and something done about these guys doing this to another woman that is trying to just get away from these guys.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
Notice of Dispute Please be advised that this is not a refusal to pay but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 US Code 1692g, that validation is requested. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account number ( XXXX ) XXXX XXXX XXXX XXXX XXXX Agreement with the original creditor that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you. 
* The agreement bearing my signature stating that I have agreed to assume the debt * Valid copies of the debt agreement stating the amount of the debt and interest charges * Proof that the Statute of Limitations in GA has not expired.

* Complete payment history on this account along with an accounting of all additional charges being assessed * Proof that you are licensed to collect in my state ; and * Your license numbers and Registered Agent or Agent of Service.

If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account if any exist must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.

This will also serve as your legal notice under the federal Fair Debt Collection Practices Act ( FDCPA ), to cease all communication with me concerning the alleged debt referenced above. Do not contact me, members of my family, employers, or any other third parties regarding this debt. 

This includes all communication by telephone or electronic communications, such as email or texts made by your company, representatives, or agents. If your offices, representatives, or agents attempt communication with me, members of my family, employers, or any other third parties, it will be considered harassment and I will bring this matter before a judge. 

All future communications with me MUST be done in writing via the CFPB. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: GA

Complaint narrative:
TransUnion is reporting fraudulent information in my credit report. Ive tried to straighten this out with them and the creditors by submitting documentation validating fraud however the company doesnt comply with the law. The XXXX accounts and XXXX XXXX Bank accounts are all fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
They stopped bill pay services in XXXX 2022 and charged major fees associated with small overdrafts when deposits were made same day

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MD

Complaint narrative:
While enrolled in the Public Service Loan Forgiveness program, I have made 180 payments on my direct student loans. For these 180 payments made while a Government employee, I submitted certification ( s ) from each qualifying government agency to the Mohela loan servicer. These certifications were uploaded directly to the Mohela website in XXXX. The Mohela website confirms that 180 qualifying payments have been made. This is 60 more qualifying payments than is required to obtain XXXX was told XXXX forgiveness of my {$41000.00} balance. I have contacted Mohela on two occasions to request my loan forgiveness status and also to inquire about my eligibility for a refund of my overpayments past the 120 payment threshold. I was told that, since I had made over 120 eligible qualifying payments, my student loan balance was going to be discharged and a refund of overpayments would be sent. This has still not occurred, even though it has been over 3 months since my last certification was submitted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-24 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: CA

Complaint narrative:
In accordance with Fair Credit Reporting Act, 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 has violated my rights. 15 U.S.C. 1681 section 602 A. States I have a right to privacy. 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 non-monetary relief
Consumer complaint received 2023-01-24 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: CA

Complaint narrative:
In accordance with Fair Credit Reporting Act, 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 has violated my rights. 15 U.S.C. 1681 section 602 A. States I have a right to privacy. 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Credit Karma, LLC
State: CA

Complaint narrative:
Credit Karma told me I had a 90 % chance of approval for a XXXX credit card in which I applied for twice and was turned down causing a drop in my score

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: OH

Complaint narrative:
I am receiving SMS debt collection notices from this short code. There is no name attached, no identity confirmation, no addressee, and no method to stop the messages/opt out ability.

Company response to consumer: Closed with non-monetary relief