vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-03 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: The Phoenix Recovery Group
State: GA

Complaint narrative:
On XX/XX/XXXX at XXXXXXXX XXXX  I received a phone call from XXXX on my phone " XXXX '' from a person claiming to be identified as XXXX that they were a third party trying to serve me with " Legal Documents '' and for me to tell them when I was going to be home to be served. When I asked what it was referring to they would only say that I was a defendant is a civil case and couldn't explain anything more. I asked for the defendants name and number, I was informed that it was the XXXX XXXX XXXX, Phone # XXXX and to reference file number XXXX. I called the phone number provided and upon answering I was informed I was on a recorded line. I provided the file number and was asked to give that last XXXX digits of my social security number, after being placed on hold I was advised that the call was in reference to possible civil action due to a very old debt to the XXXX XXXX XXXX I stated that I was unaware of a possible debt but did say that I might've had business with the XXXX XXXX XXXX in the year XXXX but was unsure. I stated that this appeared to be past the statute of limitations and the person on the call informed me that the debt was from XXXX to which I have no knowledge of and then disconnected the call believing it to be harassment due to the language used. Shortly after hanging up from this conversation my Wife sent me the copy of voicemail that she had just received from XXXX on her cell phone " XXXX '' The message was from the person identified as XXXX and that she was calling for me " XXXX XXXX '' to advise me of a complaint that was registered against me and for me to contactXXXX and to reference file number XXXX and if I didnt it may result in proceedings without my consent and that the call was logged and will be submitted as proof to the " department '' in this matter. The voicemail is attached with this complaint. I have sent a certified letter to the XXXX XXXX XXXX requesting to cease all communications on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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:
They are illegally reporting this account as XXXX XXXX. 
XXXX XXXX XXXXXXXX XXXX Payment History Last payment XXXX XXXX XXXX Current Payment Status In Repossession Worst Payment Status No Info They have ignored my request for a copy of the Finance Contract AND Account Ledger as evidence to prove this account status/comments. I've made this request by email, by certified return receipt mail, and also by hand delivery to the Registered agent known as XXXX XXXX, PA. 

If they are unable ( or unwilling ) to provide such evidence to me either by mail or email, then pursuant to the FCRA, they must delete the account in its entirety.

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 2022-11-03 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:
They are illegally reporting this account as XXXX XXXX. 
XXXX XXXX XXXXXXXX XXXX Payment History Last payment XXXXXXXX XXXX XXXX Current Payment Status In Repossession Worst Payment Status No Info They have ignored my request for a copy of the Finance Contract AND Account Ledger as evidence to prove this account status/comments. I've made this request by email, by certified return receipt mail, and also by hand delivery to the Registered agent known as XXXX XXXX, PA. 

If they are unable ( or unwilling ) to provide such evidence to me either by mail or email, then pursuant to the FCRA, they must delete the account in its entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: FL

Complaint narrative:
They are illegally reporting this account as XXXX XXXX. 
XXXX XXXX XXXXXXXX XXXX Payment History Last payment XXXXXXXX XXXX XXXX Current Payment Status In Repossession Worst Payment Status No Info They have ignored my request for a copy of the Finance Contract AND Account Ledger as evidence to prove this account status/comments. I've made this request by email, by certified return receipt mail, and also by hand delivery to the Registered agent known as XXXX XXXX, PA. 

If they are unable ( or unwilling ) to provide such evidence to me either by mail or email, then pursuant to the FCRA, they must delete the account in its entirety.

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 2022-11-03 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 CONFINDETIALITY UNDER 15 USC 1681. 
XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX ACCNT XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX ACCNT # XXXX, XXXXXXXX XXXX XXXXXXXX ACCNT # XXXX, XXXX XXXX ACCNT # XXXX, XXXX XXXX  ACCNT # XXXX HAS VIOLATED MY RIGHTS 15 U.SC 1681 SECTION 602 A. STATES THAT I HAVE THE RIGHTS TO PRIVACY.

15 U.S.C 1681 SECTION 604 A 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTTEN INSTRUCTIONS.

15 U.S.C 1681c. ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORTCONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATIONANY OTHER ADVERSEITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONSOF CRIMES WHICH ANTENDATES THE REPORT BY MORE THAN 7 YEARS.

15 U.S.C 1681s-2 ( a ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A 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 2022-11-03 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: 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 CONFINDETIALITY UNDER 15 USC 1681. 
XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX ACCNT XXXX XXXX, XXXX XXXX XXXX ACCNT # XXXX, XXXX XXXX ACCNT # XXXX, XXXXXXXX XXXX XXXXXXXX ACCNT # XXXX, XXXX XXXX ACCNT # XXXX, XXXXXXXX XXXX ACCNT # XXXX HAS VIOLATED MY RIGHTS 15 U.SC 1681 SECTION 602 A. STATES THAT I HAVE THE RIGHTS TO PRIVACY.

15 U.S.C 1681 SECTION 604 A 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTTEN INSTRUCTIONS.

15 U.S.C 1681c. ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORTCONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATIONANY OTHER ADVERSEITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONSOF CRIMES WHICH ANTENDATES THE REPORT BY MORE THAN 7 YEARS.

15 U.S.C 1681s-2 ( a ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A 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 2022-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
On XX/XX/22, an autopayment of {$100.00} was applied to my CareCredit account. On XX/XX/22, I manually paid {$2700.00} to pay off my account. I then switch my autopayment from a specific dollar amount to Statement Balance to pay any future balance. 

On XX/XX/22, I received a letter from you that my autopay had change to {$0.00} and will be posted on XX/XX/22. However, on XX/XX/22, an autopayment of {$2700.00} was erroneously deducted from my bank account. This transaction was not legal. 

The payment was rejected because I only had about {$2000.00} or so in my account, not expecting an unauthorized debit of {$2700.00} from CareCredit. 

On XX/XX/22, I receive a letter that CareCredit has closed my account because I had two rejected payments. There is no record of a 1st rejection on your website. And the second rejection was an unauthorized, illegal debit from CareCredit. 

I have been a 20-year +customer, never had a late payment, and generally pay off my balances within the six-month promotional period. I called CareCredit three times, but I was told that no one could not reopen my account. So, I have subsequently filed three consumer complaints as noted and attached. 

My hope is this mistake was not intentionally in violation of the FDIC, XXXX XXXX XXXX XXXX, and other related financial regulations, but nevertheless, it needs to corrected. 

I would like my account reinstated immediately. I need this account for my pets in the event of illness or other unexpected vet bills.

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 monetary relief
Consumer complaint received 2022-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
Wells Fargo placed my home in forbearance without my written authorization and have made modifications to my loan without my knowledge or understanding and it was not signed by my husband or I. We were eligible for state covid funding and because they put our mortgage in forbearance we didn't qualify. They told the state our mortgage was not delinquent. We have been unable to make a payment since XX/XX/XXXX and suffered severe financial losses due to covid. I have been calling them since XXXX very frequently trying to get this straightened out. I asked for the forbearance to be removed and they refused to tell the state we were behind on our mortgage. I filed a complaint with their corporate office and they were the rudest people I've ever spoken to on the phone in my life. Not once did they tell me I could remove the forbearance. I recently was informed I could do that by another Wells Fargo agent which I did immediately. It appears they have now added a second principle balance to our loan in addition to deferred interest we owe. NONE of this was ever explained to us or approved by XXXX. They have also misrepresented to the state of Kansas that we were not behind on our mortgage payment when in fact no payment has been made since XX/XX/XXXX. Because of the way loan servicers are compensated for forbearance, Wells Fargo is undoubtedly making money on this and playing with peoples financial well being and mental well being. Our family is now at risk of losing our home because of this fraudulent behavior during one of the worst economic collapses in recent history. I phoned Wells Fargo today XX/XX/XXXX to have them send me the date my mortgage would be considered 30 days past due according to their records. The first representative said XX/XX/XXXX and the second one told me XXXX. I asked them to please email me the information and what date my mortgage would be considered 30 days past due so I could have it in writing. They both told me they couldn't provide any information via email regarding this request. I simply asked them to provide me the date when my mortgage would be considered 30 days past due so I would have it in writing and they both said they couldn't provide me the information. I feel like they are purposely trying to keep me from qualifying for state assistance and making money off of it also. This is the definition of a predatory lender. I've made so many calls to them ( probably well over XXXX ). I can provide a list of dates for the calls if necessary but according to them everything is always recorded. They are trying their hardest to push this to foreclosure and make as much money as they can from it. This is shameful and Wells Fargo has been admonished before for their illegal and predatory behavior. This needs to stop!!!!

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 2022-11-03 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: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2022-11-03 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: IL

Complaint narrative:
The 3 Credit Bureaus Experian, XXXX, and XXXX need to be held accountable for the injustices they have burdened me with. My credit report shows an account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX... ) That is full of inaccurate information. If they are getting this information from the same data furnisher, then how is it that they all have different information being reported? My credit report has to be 100 % accurate, and 100 % consistent, and 100 % verifiable. 1 ) The account status shows as Indeterminate. This account can either be Open or Closed NOT indeterminate. 2 ) XXXX is reporting a balance of XXXX $ on a closed account that has evidently been purchased by another per the remarks associated with this account. 3 ) If the account has been purchased by another lender, the Original Creditor can no longer report information of this account. 4 ) The date last reported has different information reported between the three Bureaus, XXXX. Yet another inconsistency. 5 ) the XXXX record of payment history is all jacked up, full of unfactual payment history. XX/XX/XXXX XXXX reported that I was 30 days late when Experian shows that I paid on time, while XXXX holds no payment history at all. Again, in XXXX of XXXX XXXX reports me as 30days late when Experian shows I paid on time, no payment reported from XXXX. From XXXX of XXXX to XXXX of XXXX my payment history is reported Inconsistently ( See attachment ). My payments were never late, and the account is closed. These false and inaccurate late payments have tarnished my credit rating. I want this erroneous data deleted from my consumer profile immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: FL

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 : # XXXXXXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX XXXXXXXX XXXX : # XXXX, XXXX XXXXXXXX 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 2022-11-03 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: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-11-03 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: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2022-11-03 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: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-11-03 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
went to a dealership to get a car and dealership ran my credit report with other companies instead of just their company like they told me they were going to do causing me to have all these hard inquiries

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 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
went to a dealership to get a car and dealership ran my credit report with other companies instead of just their company like they told me they were going to do causing me to have all these hard inquiries

Company response to consumer: Closed with explanation