vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-23 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: CA

Complaint narrative:
I have disputed the following account on several occasions and Experian keeps saying the account has been verified. I sent several letters requesting Experian provide me with the information on how the company XXXX  XXXX and validated this account and each time I have never received the information. In addition each time that I disputed this account i also provided a email between myself and the company with them stating that they could not find an account 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 2023-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

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 2023-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
On XX/XX/XXXX I went to purchase a vehicle under the buy here pay here process with XXXX XXXX XXXX XXXX XXXX  car lot in XXXX Michigan. I put {$2600.00} down and was to pay a balance of {$1400.00}. 

I was fraudulently entered into a credit acceptance contract. 
I spoke with CAC supervisor and explained the situation. 

I never signed CAC financing documents, wise auto agent had someone else sign. 

I REQUESTED the original agreement from CAC AND was not provided with the original contract. 

CAC has been reporting to my credit report still unto this day XX/XX/XXXX. 
CAC has violated a number of my rights, called all kinds of nights, and weekends. 
I made a police report. 

The owner of the car company XXXX XXXX XXXX XXXX XXXX in XXXX MI, wrote a contract stating he would accept the balance of {$1400.00} within 6 months and cancel the contract but to no avail. 

I would like Monetary remedy for my damages, from CAC and 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 2023-05-23 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 have a few inquires on my reports that I didn't authorize. 
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 non-monetary relief
Consumer complaint received 2023-05-23 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: I.C. System, Inc.
State: TX

Complaint narrative:
I disputed a collection account from I.C. System Inc for an XXXX XXXX account. This account was opened by someone else using my SSN. I have never lived at the address they have on file nor the city. I have called them several times and also XXXX to clear this up. XXXX said they do not have an account under my name. IC Systems wont give me any info since I can not provide account information and wont remove the collection account from my credit report. I have opened 3 disputes with XXXX over this collection 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 explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
In 2022 I did what I thought was essentially a refinance loan. I was looking to refinance my vehicle that had a lien from another company. OneMain explained that they would pay off my old loan, include some cash from the equity, and roll that into a new loan with them. What they did not make clear was that what I have is not an auto loan, even though it is a loan for my auto. They falsely advertise on their website, XXXX, and at the time XXXX XXXX as auto loans. they do not make it clear at the time of origination that coding the loan as a personal loan listed under " other '' that an auto refinancing company wont touch it. 
I understood I was getting into a loan that was a higher interest rate, that could make the loan price higher than the value of the vehicle, but the representatives used words like refinance and auto when describing the loan making me to believe that the loan was something it is actually not.

when signing, I asked if I could refinance later and they said yes. Well after 12 months I figured this was a good time to look into refinancing but not only will no other company refinance this loan but the representative at OneMain said " they don't do that '' that I am not able to refinance into an auto loan within the same company. I pointed out that the company advertises as auto loans and he said " sometimes they do that '' but that I can not. 
This is predatory because it removes the freedom of the consumer to choose their financial products. They essentially trap their customers by misleading them, and making sure that they can not refinance out of the company because of the way the loan is listed on the credit reports. 
My credit and vehicle type fit the requirements for a refinance loan from XXXX but because my loan isn't listed as auto on my credit, they will not refinance it. Had I known that I would not have refinanced ( even though that's not what it actually is ) with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I believe Credit Acceptance Corporation ( CAC ) has charged me a higher interest rate than agreed in our contract. I purchased a vehicle in XX/XX/XXXX. The contract states a 22.99 % interest rate, when I did the math manually it turns out I am being charged about 31.29 %. My vehicle was repossessed in XX/XX/XXXX and even afterward, I am being harrassed to settle for the remaining balance in my account. When I first bought the vehicle, I was sold a lemon and the warranty sold to me with CAC did not cover everything. I've lost my only form of transportation, lost my job due to having no car, being thousands of dollars in debt, and my credit score has fallen.

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 2023-05-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Bright Capital Inc
State: TN

Complaint narrative:
I signed up for Bright XXXX in XXXX or XXXX of XXXX. The service did not do what it claimed to do, so I decided to close my account. On XX/XX/XXXX, I requested a withdrawal of {$520.00} from my Stash ( the entire available balance ) and downgraded my account to the free version. On XX/XX/XXXX, I received an email asking me to send them identification to prove I was who I said I was. I'm aware of the Know Your Customer laws and requirements. However, this requirement for withdrawal was never stated in the sign up process. Furthermore, the money would effectively just be going back into the account from which it came and to which they already had established a connection via XXXX. This should not be an issue. 
Be that as it may, I'm happy to provide my identification if that is what I must do to close my account. The issue arises in that they have not provided me with a secure way to submit that identification. Presumably, I was expected to attach a picture of my personal identification to the email they sent! This is unacceptable. I responded immediately to the email stating that I would be happy to provide my information via a secure channel, but I would not be sending if through email. That was on XX/XX/XXXX that I sent that email. Since that time, I have not received any response from the company, despite the fact that I have reached out to them via chat, email, and phone multiple times. 
On signing into my account, I still see my Stash with {$520.00} in it. I'm not sure how it gained another dollar in this time. I just want my money transferred back to my account. It has been a week since hearing from the company and I am still without my {$520.00}, a way to get it back, or even a reliable way to contact the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B, a creditor may not treat a payment on a credit card account under an open-end consumer plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 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: LA

Complaint narrative:
I request that you take immediate action to investigate this matter and remove any other inaccuracies 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 2023-05-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST HORIZON BANK
State: OR

Complaint narrative:
During the pandemic we were forced to shut down our small family owned business which resulted in us taking a forbearance on our mortgage on our house. Prior to that we were in good standing on our loan and always paid on time. After the forbearance period we were told we qualified for a modification of our loan which we began in XX/XX/2021. We have uploaded requested documents XXXX times to their portal plus had documents sent from our accountant 's office and physically sent the documents in XXXX  times. 

Now in mitigation meetings we had additional requirements of XXXX more document requests, all of which were duplicates to try to satisfy the underwriter. Along with this we have made more than XXXX calls that we placed to First Horizon asking the status of our modification only to be told it was " in process. '' First Horizon has been unorganized, unhelpful, difficult to work with staff who answered phones didn't know what the hold up was, and were constantly asking for the same information, saying information wasn't available when it was clearly there on their portal, and have drug this out for the past XXXX  months. During this time, we have accrued over XXXX dollars owed to First Horizon for past due mortgage payments including interest, property taxes, and insurance. 


XXXX ) They told us we qualified in writing that we qualified for a modification which is why we filled out the packet. XXXX ) If we didn't qualify why weren't we told back in XX/XX/2021. XXXX ) We kept getting asked for more documentation which led us to believe that we qualified and it was just a matter of needing more paperwork. Now we feel like they are trying to force us out of our home and because of them delaying us, we now can't get refinanced and the interest rates have gone up considerably since we started this process. 


Kind Regards, XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 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: MO

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CHARLES SCHWAB CORPORATION, THE
State: CO

Complaint narrative:
I have a checking account with Schwab Bank. On XX/XX/2023 I attempted to withdraw {$100.00} from a bank at the XXXX XXXX  in the XXXX. The first transaction failed. So, I attempted to make a second attempt which succeeded. When I got home, I discovered I was charged twice. I promptly reported this to Schwab. Since then, I have been given provisional credits that were then reversed twice. Schwab says they contacted the bank twice and were told that the bank said they were correct. Schwab 's position is that is the end of story and they need to do nothing else. I have asked for some evidence and asked if I could speak to the investigator. They have refused to provide that. I have banked with them for decades and this hardly seems fair. Seems there are likely some type of regulations. Can you help me. I am attaching a message I received from Schwab today.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 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: GA

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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 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: NM

Complaint narrative:
I have sent in a request to Equifax and XXXX to update my address, as I had to recently move. I have done this for XXXX months, with no change or acknowledgement from Equifax or XXXX. I have tried calling the credit bureaus and have been told that they can't authenticate me because my driver 's license address does not match the address they have on file for me. I updated my driver 's license so it shows my current address, not my old address, which I am trying to update. 

I just want my address updated. I have sent the documents Equifax and XXXX requires for XXXX straight months. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 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: NJ

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 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: IL

Complaint narrative:
XXXX a victim of identity theft and fraud. I have notified the creditors/agencies several times that the accounts & inquiries are fraudulent & do not belong to me. I have not in any way received goods or services from these companies. I have provided the proper authorities my FTC ID THEFT AFFIDAVIT with a sworn statement regarding the fraudulent accounts and inquiries. The documents have been submitted to all credit bureaus as well. Again, I was not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
Therefore these items must be deleted immediately. 
The FTC report ID number is 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 2023-05-23 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Im a victim of identity theft and fraud. I have notified the creditors/agencies several times that the accounts & inquiries are fraudulent & do not belong to me. I have not in any way received goods or services from these companies. I have provided the proper authorities my FTC ID THEFT AFFIDAVIT with a sworn statement regarding the fraudulent accounts and inquiries. The documents have been submitted to all credit bureaus as well. Again, I was not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
Therefore these items must be deleted immediately. 
The FTC report ID number is 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 2023-05-23 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: GA

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

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 

XXXX, XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX Account # 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.

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 conviction 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 explanation