vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-11 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:
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 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. 

PLEASE DELETE THESE ACCOUNTS XXXX CARD ACCOUNT NUMBER XXXX XXXX  ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Zions Debt Holdings
State: MO

Complaint narrative:
This company is trying to collect a debt that i dont even know who this company is. They just place information on my XXXX  credit report without my oersmission. I would like this company to validate the debt they are trying to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # 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.

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 2023-06-11 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo failed to properly process my VA loan modification after COVID. The mismanagement of my loan and numerous failures to answer questions of resolutions made by myself and VA show the lack of interest for proper resolution. Their administrative negligence continues by failure of due process of my VA loan. Currently receiving threats of foreclosure with no previous options nor time. Recently receiving mail from foreclosure attorneys through mail advising that Wells Fargo has started foreclosure actions without notifying me nor addressing their own mismanagement of my loan. The recent response from Wells Fargo to my formal complaint was printing old documents and mailing them with absolutely no resolution.

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 2023-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
I disputed the amount on my credit report several times by Midland Credit Management by all XXXX Credit Bureaus the last time I disputed over the phone with XXXX was on XX/XX/XXXX XXXX and I told them the issue and that every time I dispute this collection Midland increase the amount they claim I owe by {$1.00} then a few after that it decrease and I fill like thats unfair practices because it affects my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 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: Global Lending Services LLC
State: TX

Complaint narrative:
Global Lending Service did not furnish me with a form XXXX after the alleged debt of {$5500.00} was charged off from an auto finance account in my name. It is to my understanding that once a creditor charges off an account, that they receive a tax deduction for the charge off amount when they file their taxes. That in turn converts the amount owed from an alleged debt, into earned income, which has fraudulently been reported to the consumer reporting agencies as charge offs, which misrepresents the amount charged off as alleged debt owed, instead of earned income, which is being fraudulently reported to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
they are still on my credit report they will not take them off

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 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: IL

Complaint narrative:
My payment history is excellent and I have no derogatory accounts that I can see to fix on my credit reportIt all looks to be excellent. My accounts are over 30 yrs old and while my debt is over 30 %. Its still at just 42 %. I have a stable well-paying job. Yet my XXXX XXXX is so low ( and CONTINUES to be ) that I cant even get a consolidation loan to address the debt I DO have. My XXXX XXXX hovers below or just slightly above XXXXwhich is ridiculous with my excellent history. I used to have a XXXX XXXX of XXXX. I have NEVER filed for bankruptcy, yet i have a XXXX XXXX lower than those that have! This is negatively affecting my life and my kids lives. I may lose my job over this low scoreIf I do, Im suing.

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 2023-06-11 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX CHILD SUPPORT ENFORM, 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

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 2023-06-11 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX CHILD SUPPORT ENFORM, 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

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. 

I told the XXXX, Transunion, and XXXX to correct my personal info so everything can correct on my report. 

Name : XXXX XXXX XXXX XXXX SSC # : XXXX Address : XXXX XXXX XXXX # XXXX XXXX, Iowa XXXX However XXXX they stated everything was complete and accurate. But how is that possible if they still showing incorrect info on my report. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-06-11 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: Experian Information Solutions Inc.
State: IA

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. 

I told the Experian, XXXX, and XXXX to correct my personal info so everything can correct on my report. 

Name : XXXX XXXX XXXX XXXX SSC # : XXXX Address : XXXX XXXX XXXX # XXXX XXXX, Iowa XXXX However XXXX they stated everything was complete and accurate. But how is that possible if they still showing incorrect info on my report. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Premier Auto Credit
State: CA

Complaint narrative:
Im am writing this complaint in regards to Premier Auto Credit. On XX/XX/2023 through the middle of XXXX. Me and XXXX XXXX received threaten aggressive calls from premier auto credit. The company threaten to sue us, hire private investigators to follow us and ruin our credit if we didnt pay the loan amount. They also followed me from XXXX XXXX  house to my place of residence, Thats when premier auto credit hired and unmarked repossession company to repo our vehicle. We were followed in unmarked cars, to and from work. We received aggressive phone calls from premier auto Credit. The agents would us profanity and foul language, in attempt to recover the vehicle. This became very stressful and upsetting for me and XXXX XXXX.We were not made aware of, by phone, letter or email that this company was going to repo our vehicle. Our personal information was giving to this company, in which we did not have an agreement with the repo company but, with XXXX and premier auto credit. We feel that our personal information was compromised by premier auto credit and our personal credit has been breached. Weve also notified premier auto credit of our financial difficulties, hoping to refinance our vehicle or work out a payment plane, but the company refuse to work with us. As I look at the contract weve noticed that our signature are computer generated, and not our hand written, in which, at the time of signing the contract we only hand written our signatures. At the time of our contract signing, XXXX / premier didnt explain our rights as a consumer buyers, which is a violation to our right as purchased of any form of credit transaction.. Ive also noticed per our contract that we where approved for a loan of XXXX. I, neither XXXX XXXX didnt receive cash, check or money deposited into our account as a consumer transaction. On the retail sales contract, our signatures are computer generated as noticed We where not made aware of any taxes or fees until the signing of the contract. We where forced to pay these fees, or we could not drive the car off the lot. We gave {$8000.00} cash for the down payment, was financed XXXX which totaled {$24000.00}. We paid XXXX for sales taxes. XXXX for vehicle license fees and {$50.00} for registration fee, which is against the law to use this amount as part of the down payment. Weve contacted premier auto credit about the merchant that was in and on the vehicle at the time of repossession, and asked if we can recover our property, but was denied access to our belongings. This company is very rude, unprofessional and intimidating. This company has lead us under fraudulent transactions and bad faith agreement entrapment.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I would like to emphasize that these addresses and names are unfamiliar to me, and I have never resided at any of the mentioned addresses. Therefore, I request that you promptly investigate this matter and remove these inaccurate details from my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you provide. Please note that the presence of incorrect addresses and names on my credit report can potentially harm my creditworthiness and hinder my ability to obtain credit or financial services. The only address i would like on my credit report is XXXX XXXX XXXX XXXX XXXX, tx XXXX kindly request that you initiate an investigation into the inaccurate information and take appropriate action to rectify the issue. Furthermore, I would appreciate receiving a written confirmation once the incorrect addresses and names have been removed 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 2023-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I had a client write me a check from her bank ( Chase bank ), i then deposited the check into my chase bank account and they closed my account and will not give me my money. They say they are not able to verify the check which they have verified one for me already from the same client 2 weeks prior. It has been over a month and they keep giving me the run around and I try everyday to get my money released. I have been to the branch multiple times and I have spoken to the branch XXXX and she can not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 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: AL

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. Account name : 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. Delete this accounts

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 2023-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
i reported fraud XX/XX/XXXX as well as recently in XXXX and XX/XX/XXXX. I have just recently discovered that i am a victim of identity fraud/impersonation/theft as well as a victim of sim swapping/hijacking on all accounts pertaining to myself online and offline even my mail. i have reported it to the sheriff and police. i have went in to wells fargo various times inquiring about checks being cashed and missing transactions, statements ewithdrawals, edeposits, international transfers, check cards, online bill pay, online statements, spending reports, my name not being correct, why the states have xhanged and are different, why myaddress was changed, signaturea to who has power of my account since im not the primary when i have never given anyone permissionto be on my account etc in which they have gaslighted me about all of thisand have not allowed me to close my account in the past which i tried to many times last year and this year to do so as well as refused to answer my questions and not printing out the fraud reports that i have already made prior to going in as well as recently. in which the suspicious copy pasted statements they wells fargo printed me are missing dates transactions etc resulting in them having suspicious behaviour to a point as when i went to show proper documentation of the fraudelent activity for XXXX plus years that has been going on without my knowledge XXXX banker lunged and grabbed the paperwork and wouldnt let go, they had me close my late mates account after XXXX years in XXXX XXXX which doesnt make sense because i tried to close it when he died prior to all of this in XX/XX/XXXX XX/XX/XXXX and they wouldnt let me and even now they still wont give me answers. then they decided to forciably close my account and denied my own access to get into my own accounts weeks before they decided to closed it. to which they are hiding something because the statements they gave to me are not mine or accurate. which has resulted is financial problems directly relating to my accounts that were on autopay. to where this is causing severe mental anguish.

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 2023-06-11 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: GA

Complaint narrative:
Wrote a letter to Equifax XX/XX/XXXX to remove addresses that do not occupy. They wrote back asking my to verify my current address whic I have done.

Company response to consumer: Closed with explanation