vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-22 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: FL

Complaint narrative:
There are UNAUTHORIZED and FRAUDULENT inquiries on my credit report ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I am not the one who initiated these inquiries. I am submitting a complaint regarding these inquiries and for assistance to REMOVE them from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
Today I did a payment for US {$1000.00} to XXXX using Zelle, one family relative texted me using XXXX  and asked me to help him with medical bills from a recent ER visit he had, he told me to send the XXXX to the email above to pay for some medical supplies. We tried to phone him but due to his medical condition we were unable to get him on the phone so we did the zelle payment. Later today we finally got in touch with him and he confirmed that his XXXX account was hacked and he didn't asked us for money. 

We transfer using XXXX and filed a claim with them for this but they are not very positive. The person owning the email above is not a XXXX customer and they don't know what bank the money ended up. There should be more protection when using Zelle, like having the payment pending for a longer period of time at least XXXX hours, so a fraud is at play we have time to reversed the payment. 

Also, I hope this information is used to flag the account of this guy and somehow prevent others from being robbed. I personally won't use zelle again, the protections are not in place to do transactions in a safe manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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: FIFTH THIRD FINANCIAL CORPORATION
State: PA

Complaint narrative:
I received a notice from XXXX XXXX that a new hard inquiry showed up on my account from Fifth Third Bank today ( XX/XX/2023 ). I have not applied for any credit cards or loans recently, let alone today while I was at work all day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
Portfolio Recovery Associates are attempting to collect a consumer debt that is not owed to them. 
This Debt collector is not a party to the Contract nor are they a signature to the agreement/Contract that was purchased by their corporation therefore PORTFOLIO RECOVERY ASSOCIATES XXXX possess no valid claim to the debt stated in the Contract to be owed by the Principle, XXXX XXXX XXXX XXXX 
This Corporation has violated the Fair Debt Collection Act also violated multiple Consumer Rights Laws by contacting XXXX XXXX XXXX Mail or Phone. This XXXX has violated the FAIR CREDIT REPORTING ACT by reporting fraudulent debt owed to the XXXX XXXX XXXX, causing financial harm to Consumer. 

FAIR RESOLUTION I want all collection efforts stopped immediately, all false debt reported to the Consumer Reporting Agencies is to be removed immediately. XXXX XXXX XXXX is private, and this corporation possess no valid claim to report debt. 
claims in Federal Court are being drawn up. 

Thank You XXXX XXXX XXXX XXXX Authorized Agent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lendmark Financial Services
State: MD

Complaint narrative:
The loan is with LendMark Financial. I received a letter to settle this but decided to evaluate the handling of this loan first. I responded to the settlement letter and requested my payment history. I discovered my payments were not deducted properly and I still owed a larger balance than I should have. I have not anything further from LendMark since I requested the payments I already made be used to settle my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 inructions 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 2023-08-22 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: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore and such debt, in fact therefore exists

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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: American Credit Acceptance, LLC
State: VA

Complaint narrative:
In accordance with the fair credit Reporting act, has violated my rights 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under as open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I just noticed that my bank accounts were frozen due to a judgement by a creditor. 
I am unfamiliar with this creditor but I recently learned that they bought the debt XXXX yrs ago. Why havent I heard from them. I never received notice that I am being sued and they got a court judgement to garnish my whole life savings. They also attached the hold on my XXXX yr olds accounts. This was all her social security and annuity income in these accts. We are unable to pay our living expenses with XXXX balances. I am the full time care giver for my mother and I am not working. Please help us with this horrible situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Vengroff Williams, Inc
State: CA

Complaint narrative:
The company reached out to me for a debt {$1300.00} I dont owe. The arbitration award only awarded the counter party {$4900.00} arbitration costs ( the arbitrator says therefore ) and did not award XXXX XXXX XXXX any costs from claimant. I dont owe Arbitration costs to the XXXX  XXXX XXXX XXXX XXXX and XXXX shall only chase the other party for arbitration costs. Also, the award is currently in court to be vacated with active litigation too.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC
State: GA

Complaint narrative:
On XX/XX/XXXX I went into the Title Max located at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I entered into an agreement for a {$550.00} Title loan. The vehicle I used to obtain the title loan was a XXXX XXXX XXXX which had been paid off and owned by me since XXXX. 

The loan was taken out by me at the request of my husband of 16 years to pay off a a bill he was delinquent on and needed fast cash quick, so out of desperation I willingly, opened the loan for him using the title to our paid off XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX we made our XXXX payment in the amount of {$130.00} towards the loan. We have been making payments On XXXX, XXXX, XXXX, and due to the COVID-19 stay at home order, we were both let go from our jobs and we fell into a financial hardship. With not many options and fear and XXXX from the future of the economy due to the COVID-19 stay at home restrictions, we were forced to refinance the Title loan and received another {$550.00} from Title Max. The balance we were now required to pay was {$1200.00} which included a additional XXXX XXXX XXXX XXXX Pawn Pledge Fee ''??!! as stated in the Payment History print out I requested from Title Max Since the inception of this loan in XX/XX/XXXX, payments by us have been made month after month and just to keep the vehicle from being repossessed and the loan defaulted. All the while the balance has continued to climb, some months we were forced to pay up to {$300.00} to stay out of default. And MONTH AFTER MONTH Title Max would excessively call us everyday to threaten us with repossession on the vehicle if the payment was not made. 

The thought of how much money we were forced to pay Title Max infuriated me at which as of XX/XX/XXXX was an astounding {$5200.00}! 

I contacted Title Max in XXXX, XXXX and spoke to XXXX to see what we can do to get out of the loan and also requested a print out of the amount we have paid in total to Title Max since XXXX XXXX i asked her if they would agree to let us out of the loan and close the account. She was very helpful and did provide the the payment history printout but advised me that she has rarely seen this done, and unless the account was current and in good standing they would not accept our offer to have the loan paid in full and closed. 

This type of business should be ILLEAGAL.. This is not good business practices and there should be a CAP on the amount these title loan companies can take from people. We are in a more serious financial hardship due to me being diagnosed with XXXX in XX/XX/XXXX. Our other vehicle was just totaled in an accident and the XXXX XXXX that Title Max has a title lien on so we can't use it as a down payment to purchase another vehicle. 

Thank you in advance for any help you can provide for us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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: IN

Complaint narrative:
A XXXX XXXX contacted me because it was a hard inquiry I didn't do or a mortgage application I didn't approved to be done on my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have sent several letters to XXXX, XXXX and Equifax, on XXXX XXXX XXXX XXXX XXXX, urging them all, to not only make sure my personal information is correct and current but also to remove any incorrect or outdated information about me, from my credit report. I have also asked for validation of several accounts that are reporting on my credit report without my consent. The only responses that I have received back ; if any, are that they have not done an investigation because of ridiculous claims that I myself have not been the one disputing the unwanted, incorrect and inaccurate information on my credit report. Please assist me in this matter to get the credit bureaus to obey and follow the laws and clear up these inaccuracies on my credit report immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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: NJ

Complaint narrative:
I demand all negative items to be removed not accurate. 

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system XXXX removed my discover bank I demand Experian transunion to also remove

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 2023-08-22 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: IL

Complaint narrative:
XXXX XXXX ran my credit XX/XX/2023 with 3 creditors. Then the following day they ran 7 more creditors without my consent. 

I found out when I received a credit alert. 10 inquires is wrong.

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 2023-08-22 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: TN

Complaint narrative:
I am a victim of identity theft. My id was stolen from my car and was used to get loans and credit. 

These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The correct dispute process is not being done and I am not getting copies of the dispute process per the FCRA

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 2023-08-22 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: TN

Complaint narrative:
I am a victim of identity theft. My id was stolen from my car and was used to get loans and credit. 

These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The correct dispute process is not being done and I am not getting copies of the dispute process per the FCRA

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 2023-08-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: PA

Complaint narrative:
Reporting late payments to the credit bureau that when I was not late. Then refusing to update the records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the FCRA Section 15 USC 1692 ( c ) ( c ) : states that a debt collector may not communicate with a consumer in connection with the collection of any debt without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction1. The FDCPA was enacted to address the use of abusive, deceptive, and unfair debt collection practices by many debt collectors2. 

1. XXXX XXXX XXXX : XXXX : {$4100.00} does not owe this debt and company needs to cease communication with me and delete from my credit profile 2. XXXX XXXX, XXXX : XXXX : {$73.00} does not owe this debt : company needs to cease communication with me and delete account from my consumer report 3. XXXX XXXX XXXX : XXXX : {$4100.00} does not owe this debt and company need to cease and decease communication with me and delete account from my consumer report 4. XXXXXXXX XXXX XXXX XXXX XXXX : Account is not reporting the right info and it violates my consumer rights pursuant 15 USC 1681. Info needs to be accurate, complete and relevant to be reported to a third party and the consumer reporting agency and the company did not receive authorization from me to report my experiences. Under 15 USC 1681 b ( 2a ) ( permissible purpose ) 15 USC 1028a ( criminal ) 15 USC 1681n ( civil liability ). this is grave identity theft and item needs to be revoved from my consumer 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 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the FCRA Section 15 USC 1692 ( c ) ( c ) : states that a debt collector may not communicate with a consumer in connection with the collection of any debt without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction1. The FDCPA was enacted to address the use of abusive, deceptive, and unfair debt collection practices by many debt collectors2. 

1. XXXX XXXX XXXX : XXXX : {$4100.00} does not owe this debt and company needs to cease communication with me and delete from my credit profile 2. XXXX XXXX, XXXX : XXXX : {$73.00} does not owe this debt : company needs to cease communication with me and delete account from my consumer report 3. XXXX XXXX XXXX : XXXX : {$4100.00} does not owe this debt and company need to cease and decease communication with me and delete account from my consumer report 4. XXXX XXXX XXXX XXXX XXXXXXXX : Account is not reporting the right info and it violates my consumer rights pursuant 15 USC 1681. Info needs to be accurate, complete and relevant to be reported to a third party and the consumer reporting agency and the company did not receive authorization from me to report my experiences. Under 15 USC 1681 b ( 2a ) ( permissible purpose ) 15 USC 1028a ( criminal ) 15 USC 1681n ( civil liability ). this is grave identity theft and item needs to be revoved from my consumer report,

Company response to consumer: Closed with explanation