vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-13 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:
Last year I discovered a false account with XXXX, XXXX XXXX, XXXX XXXX, US Dept of Ed and DeptedXXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but they denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but they refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine

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 2022-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CarMax, Inc.
State: LA

Complaint narrative:
My credit report shows inquiries on my report and I did not authorize this company to use my information. Multiple companies are now emailing and calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
My credit report shows inquiries on my report and I did not authorize this company to use my information. Multiple companies are now emailing and calling me.

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 2022-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Westlake Services, LLC
State: LA

Complaint narrative:
I have inquiries on all credit bureaus from this company and I did not consent to the use of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MI

Complaint narrative:
I applied for home retention options with Carrington MortagXXXX ( loan No. XXXX ) around XX/XX/2022. A loan modification offer was sent to me. The offer did not expire until XX/XX/2022. I called XX/XX/2022 with XXXX HUD counselor ( XXXX XXXX ) around XXXX. The Carrington representative said that the review was closed, and the loan modification offer was no longer valid. I also filed for mortgage payment assistance with XXXX. The case number is XXXX and was filed XX/XX/2022, counselor is XXXX. I just want to prevent my credit from going bad. Also to allow XXXX to pay the back payments to Carrington Mortgage. I also, would do the loan modification, if this will prevent my credit from being ruined. I also just reapplied for the mortgage assistance application with them. It was faxed and emailed on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I enrolled to a program in Illinois called, XXXX. This school promised job placement upon completion with multiple certifications under your belt to promise you a good career path in IT. My brother and I attended what seemed to be XXXX of the last classes before this " school '' shut down and we were not placed in any jobs and lost all vouchers to take exams for certifications. I understand there are multiple lawsuits against this place and I would like to see if my brother and I are eligible to have these private loans forgiven. We have been paying these loans since 2008 and are not even halfway there. 

To the last question below. I do not have any hard copy contracts nor digital copies of when we enrolled. I do however have emails from the instructors and admissions office, if needed. 

All of this doesn't exist anymore and I'm sure our contracts have been deleted from the system. 

XXXX XXXX Admissions XXXX XXXX  XXXX XXXX XXXX XXXX XXXX of AXXXX XXXX  XXXX, ext. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I am receiving repeated phone calls weekly by the debt collection company stating that I owe money on the furniture I purchased roughly two years ago. I have explained to the debt collector that most of my furniture was paid in cash and some of it was financed on the credit card the furniture store had issued. we have sent the statements reflecting the payoff of the credit card. the debt collector in return sent me a itemized list of the furniture but fails to show any proof of what exactly is that we owe money for? I have paid of the credit card the furniture was purchased from and why am I being reached out by a collection ageny after two years of the purchase? why did Ashley furniture not contact us in the past two years? I am 100 % certain my debt if paid in full and if its not I will like the debt collector and Ashley furniture to provide proof of what exactly it is that I owe the money for. not just a phone call stating I Owe money but not knowing what for.

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 2022-04-13 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: NY

Complaint narrative:
A dispute with a landlord due to pests in the apartment was reported by TransUnion as a judgment of eviction. However the dispute was a tenant dispute that required the landlord to resolve the vermin in the apartment and rent was withheld until the landlord resolved the issue. The motion went to court but no judgement was given to the landlord. Transunion is reporting it was a judgement for eviction but it was not and the case was dismissed once the landlord agreed to resolve the issue as order by the court. 

The judgement ( entered in on XX/XX/2016 ) by TransUnion at XXXX XXXX is beyond the statutes by law to report this information and should not even be on my report. I have attempted to have TransUnion remove the judgement more than 3x but they have not complied.

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 2022-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I have inquiries on all credit bureaus from this company and I did not consent to the use of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: WA

Complaint narrative:
In XXXX I got a call from XXXX XXXXalking about a credit card that I had opened up. I told them that this must have been a mistake. 

In XXXX I started getting calls from them asking about payments, I asked them what I supposedly received, they said a couch. I have never received any kind of furniture from them. 

I submitted a fraud report in the middle of XXXX because an account with XXXX keeps showing on my credit report. XXXX keeps verifying the account as mine when I told them that I had not received anything at all. I dont know what to do anymore

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
Venmo stated I violated their terms and agreement. I asked what I have violated, they did not have an answer. They permanently deactivated my account with { {$1000.00} } still pending to be deposited into my account. Now they say they are keeping it for 180 days and will no longer answer my questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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:
Last year I discovered a false account with XXXX, XXXX XXXX, XXXX XXXX, US Dept of Ed and DeptedXXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but they denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but they refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine

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 2022-04-13 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:
Last year I discovered a false account with XXXX, XXXX XXXX, XXXX XXXX, US Dept of Ed and XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but they denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but they refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My wallet and phone were stolen from me on the night of XX/XX/XXXX at an event in XXXX XXXX. I reported 3 credit cards stolen the next day and disputed several unauthorized charges and those charges were all reversed. For one of the stolen cards ( Chase Amazon XXXX Visa ), I later received a letter saying the dispute had been investigated and they had determined that the disputed charges on that card ( two at a bar near where the theft occurred and one at XXXX ) were valid, and I was responsible for them. I called and they told me that they had determined that since the charges had been made in person and not online they were therefore valid. I explained again that the physical card had been stolen and not used by me, and filed another dispute, which was again dismissed. Finally, in a third dispute I provided police reports of the theft and insurance claim made for the stolen phone as supporting evidence, and again received a letter that my claim had been " thoroughly investigated '' and the transactions were still deemed valid, and that I was therefore responsible to pay for those charges. I have held this card for 15 years and the amount in dispute is {$410.00}. I have witnesses that my wallet was stolen and I reported the cards stolen to the credit card company the next day. I did not make or authorize the charges in question, and will so testify under penalty of perjury. I understand that under the law and my cardholder agreement I am not liable for unauthorized charges. However Chase 's Fraud Department, without explanation or discussion, refuses to uphold this agreement and to reverse the unauthorized charges in question.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
I have tried to report this countless time THIS IS NOT MY DEBT AND IT NEEDS TO BE REMOVED. I dont even finance a car. I purchased my car cash. If this is not remove Ill be filling an attorney general claim and pursuing legal actions. I HAVE NEVER PURCHASED A LOAN FROM THIS COMPANY. Not to mention this company has never reached out to me regarding this matter. I dont not under any circumstances wish to communicate with this company. I only wish for this to be removed from my credit report. Most of all it is showing as open WHEN I AM NOT IN POSSESSION OF THIS VEHICLE. Like they havent even reported it for collections. Its been 5 or 6 years of going back and forth. Im extremely exhausted. This has to be the absolute worst experience of my life. How can you still information and allow shady dealership to obtain loan for cars people do not have. THIS IS INSANE

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 2022-04-13 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: AL

Complaint narrative:
Understand, I am a consumer operating under the FCRA. I am not working with a credit repair company. Your company ( Equifax ) is in direct violation of the Fair Credit Reporting Act by reporting XXXX XXXX Acct # XXXX for the following reasons : 15 U.S.C 1681 section 602 A. StateXXXX I have the right to privacy in which you also violated. 

In 15 U.S.C 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions. I never gave your company ( Equifax ) written Instructions to allow them or you ( Equifax ) to report on my profile. 

Do not respond with a generic E-Oscar response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: MoneyLion Inc.
State: LA

Complaint narrative:
I have no knowledge of this loan and this company keeps reporting to my credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-13 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: World Acceptance Corporation
State: LA

Complaint narrative:
I have no knowledge of this loan and this company keeps reporting to my credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: FL

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2022-04-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2022-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I asked for the account to be removed due to inaccuracies. it is currently still on my report. if this account was properly investigated it would not be on my credit report. my Equifax, XXXX XXXX and XXXX should all be accurate, meanwhile this account is still, and only, on my Equifax. for this report to be accurate it would appear across all of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX keeps sending this account to collections ( I C Systems ) when I have told them years ago that this account was opened fraudulently. Now I am being contacted by yet another collections company about a debt that is not mine. I spoke with them and was told that I could get a discount to pay it down but that was the only thing I could do due to me not knowing how to get proof of who used the services with my 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 explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I ordered an item from XXXX and chose 'affirm.com ' as a third party for a method of payment. I chose 6 months installment with 0 % interest. After a never-ending wait for the item to come, I contacted the merchant to get an update of the order. It turned out that the item was delivered, but I did not receive it. I asked for the 'proof ' of delivery, the merchant provided a picture that acted as the 'proof ' of delivery ; however, the picture shows that the item was on a different property other than the one stated on the address. I provided the picture of my property to the merchant to assure them that the item was not delivered as promised, but the merchant was giving me a hard time and did not want to refund the money. Therefore, I decided to dispute the transaction through affirm.com. I provided proof that the item was not delivered to the right address. After several days, 'affirm.com ' made a decision in favor of the merchant despite the irrefutable evidence that the item was not delivered as promised ( to the right address ). They said that the merchant already processed and delivered the item to the right address and it is my job to contact the merchant to resolve this issue *even though I already did. They forced me to pay for something I don't even get. Affirm.com reported an 'overdue ' payment of my account to the credit score bureau and destroyed my credit score. Affirm.com has violated their own policy by not protecting their customer, and forcing them to pay for something that they don't even receive. This is disgusting and a disgrace!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: FL

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm 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 non-monetary relief