vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-01 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: MI

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. My request for the correction and removable of the erroneous information about my account has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my account is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the account that is still reporting on my report : XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX Balance : {$430.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: COMMUNITY FINANCIAL SYSTEM, INC.
State: PA

Complaint narrative:
On XX/XX/2021 I went to the dealership know as XXXX XXXX to look at vehicles. Found a truck I like, was convinced to do a loan. The loan interest rate I was told was 4.9 % then was switch without my knowing to 6.4 % interests. Not only that but my loan and contract was signed between me and the XXXX XXXX no other interested party signed the contract. Yet they gave/sold my contract to Community Bank N.A of XXXX NY but they never signed or agreement directly between me and this Community Bank N.A . 15 usc 16 if no meeting of the minds and no wet ink signature from security interested party than the contract is void and unlawful. The loan is Fraudulent and highly preditory lending. Im paying under threat, duress and coersion. I never signed a contract with Community Bank N.A they simply used my credit and tried to charge me for a loan on an automobile that was never there's to begin with. Can't buy debt with debt. Corporations can't loan debt or credit. They are the trustee, I am the beneficiary and consumer. I gave myself a loan with my credit. You can't loan me money if there is no lawful money. HJR 192 all debts public and private belong to the United States of America. I signed a contract retaining all my rights ucc 1-308 all rights reserved. The alleged automotive loan is fraud and in violation of 15 usc 1605 ( a ). 15 usc 1692 ( d ). 15 usc 1635. 15 usc 1603. 15 usc 1692A. I've sent several certified mailings asking for them to show proof there is valid debt or loan amd if they cant prove in writing to cease and desist from reporting andcattempting to collect this debt. I also sent them certified mail letter explaining that they have 20 days to pick up said vehicle or it will be considered an abandoned Motor vehicle and under PA law would be lot fee for every day that it sits. And to get it back they would need to pay the fees and return my alleged Down payment they Fraudulent stole of {$2800.00}. {$16000.00} of lot fees. Community Bank n.a Failed to respond to any registered mail sent affidavits in XXXX, XXXX and XXXX asking to validate the debt and to cease and desist from reporting this fraudulent loan on my consumer credit reports and stop trying to collect on an alleged debt that they were paid from the Treasury for from my credit. As we all know an unrebutted Affidavit after 30 days stands as truth in commerce Under the Uniform Commercial codes, and 15 usc, fcra.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: PA

Complaint narrative:
I have sent letters to XXXX and Transunion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681

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 2022-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo has sued me and has been non negotiable for the last XXXX years. I have XXXX in debt that I was unable to pay during covid, as I faced over an entire year of pandemic unemployment and for a half a year previously due to work related XXXX XXXX XXXX, and XXXX forced home relocations during pandemic and riots in XXXX XXXX . I attempted to negotiate hundreds of times over these 2 years since account closed, mostly with no answer, or weeks in between answers, answering machines. They offered to settle in 2019 for XXXX, or XXXX per month, which I did not have at that time. Hundreds of calls and offers to them later, they then said I could settle for XXXX  which I was going to pay lump sum after receiving my worker comp settlement, but had to pay doctor, medication, and moving costs to move again unexpectedly during covid and was then again unable to pay that 18k lump sum. They then said my payment plan would be set at XXXX month, with no ability to negotiate anymore, which I just can not afford. I feel like this had been years of abuse and neglect, as I wanted to pay them but in a rational livable way. I asked to settle again for their previous offer of XXXX or XXXX per month and was denied by the bank directly and by the lawyer they use. Now I am served and have to face court in XXXX, for a debt ive been trying to pay, while suffering from this work related XXXX XXXX XXXX XXXX XXXX XXXX XXXX  relocations in 1.5 years during pandemic and riots, unemployed for a year, no family support or significant other. I have no money for a lawyer and the stress of this lawsuit along with the fear of poverty and continued strain on my health is extremely damaging. The lack of compassion during covid that this bank and lawyer have shown is inexcusable and this case should be thrown completely out.

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 2022-02-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midstate Collection Solutions, Inc.
State: IL

Complaint narrative:
This company has committed fraud and aggravated identity theft by acting on my behalf with my private data pursuant to 18 USC 1028. They brought my data from a defaulted note purchased from XXXX XXXX XXXX  XXXX ; buying defaulted notes is a violation of UCC 9-110 and UCC 2- 401. As a private natural person consumer I have ben violated. They use the Credit Reporting Agencies to furnish a deceptive form on my report to make it seem as if there is a debt owed which is a violation of 15 USC 1692J. Apparently this company is a third party debt collector who unlawfully and illegally brought a defaulted note. Pursuant to 15 USC 1692c I never gave this company permission directly or indirectly to communicate with me. I have no contract with MIDSTATE COLLECTION SOLUTIONS. This company has used my data without authorized use which is a violation of 15 USC 1602P, to furnish a deceptive form to make me believe a debt is owed which is a violation of 15 USC 1692J. This company has committed fraud through the mail and by Credit Reporting Agencies stating I owe a debt that is discharged which is a violation of 15 USC 1692B ( 2 ). This company has used deceptive means like letters and using the CRA 's to communicate and furnish fraudulent information with my data to coerce me into paying a debt which is a violation of 15 USC 1692E ( 10 ). MIDSTATE COLLECTION SOLUTIONS can not and will not ever produce a contract between me XXXX XXXX and MIDSTATE COLLECTION SOLUTIONS because that contract does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: MI

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account XXXX XXXX XXXXXXXX XXXX XXXX Balance {$830.00} XXXX XXXX XXXXXXXX XXXX Balance {$300.00} XXXX XXXX XXXXXXXX XXXX Balance {$0.00}

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 2022-02-01 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: MI

Complaint narrative:
My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : FACTUAL DATA Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXL Inquired XXXX XX/XX/XXXX THE XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX 2021

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 2022-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Lockhart, Morris & Montgomery Inc.
State: DE

Complaint narrative:
When I tried to work for XXXX XXXX as commercial driver, they discriminated against me when they assigned me about XXXX hours training. I complained about that especially I came to them as experienced driver while a new student from driving school gave him XXXX hours only. I talked to my recruiter about it and he didn't know why they gave me too many hours. I quit the same evening I was hired and had a friend of mine to pick me back home. Few months later, I got emails from XXXX XXXX asking either to work for them or I would have to pay for {$2300.00} for breaching the agreement with them. My answer was, I did not work one day with you and if you are willing to cut hours of training I can return back. Later on, they sent email asking me to forget about the previous communication. After about XXXX months I was surprised by collection service letter. I asked them not to damage my credit and that charge is not valid since i didn't work for their client one day. I even asked them to provide pay stub for one week and they went ahead to damage my credit. Account info Account name XXXX, XXXX & XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$2.00}, XXXX past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$2300.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$2300.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX They had us sign a contract without giving us time to read. Just XXXX and rushed us to just click next, next until the sign box. In that contract paragraph 3, It said after the date the driver was hired. I did not work one day with this company. They didn't even pay full amount of " orientation '' after being stuck in a motel room with another driver for over a week. Once they got sued in Tennessee by many drivers, they sent emails to the drivers they were harassing to pay them back {$2300.00} ( I didn't work for them, and they wanted to make money on someone looking for a job. Luckily, I didn't work one day for them. I know many drivers who just didn't pay them after being on the roads with trainers for weeks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I, XXXX XXXX, NATURAL PERSON AND FEDERALLY PROTECTED CONSUMER, applied for a credit limit increase with Capital One. They denied me XXXX XX/XX/2021. This seems like unfair and deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: SD

Complaint narrative:
I found out that the account i paid off is not being reflected as such on my credit report so i contacted XXXX XXXX XXXX ( the company i paid ) and they said that the original creditor ( XXXX XXXX is reporting the account incorrectly ) and that i need to contact them. the response i received from XXXX XXXX  is that i need to contact XXXX XXXX  in which i have already done. I am just getting run around while no one is updating or fixing the issue to reflect that the account was paid and not a charge off or whatever incorrect status they have it sitting in. I am resubmitting this complaint with the document that shows the account was paid and nothing owed so it should reflect a paid status on 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 2022-02-01 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: SD

Complaint narrative:
I found out that the account i paid off is not being reflected as such on my credit report so i contacted XXXX credit management ( the company i paid ) and they said that the original creditor ( comenity bank is reporting the account incorrectly ) and that i need to contact them. the response i received from comenity bank is that i need to contact XXXX credit in which i have already done. I am just getting run around while no one is updating or fixing the issue to reflect that the account was paid and not a charge off or whatever incorrect status they have it sitting in. I am resubmitting this complaint with the document that shows the account was paid and nothing owed so it should reflect a paid status on 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 2022-02-01 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: LA

Complaint narrative:
Unauthorized inquiry is reporting to my credit report even after I have identified it as fraud and identify theft. I have mailed an FTC report to the company and have received no response.

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 2022-02-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: MI

Complaint narrative:
This Educational account was marked as 90 & 120 days late without a 30-day late. The said issue has been raised to XXXX but up until now they have not removed this account and keep on reporting this account inaccurately. Moreover, they have not presented any proof to ensure that they have investigated this account accordingly. I want this account to be removed as soon as possible. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Prosper Marketplace, Inc.
State: FL

Complaint narrative:
On Friday, XX/XX/2022, I called Prosper Customer Support and advised them that the Social Security number they have on file is incorrect. After 2 hours, I was told to email a copy of my ID and a copy of my of Social Security. They stated once it was submitted the issue will be corrected within a few hours. 

On Monday, XXXX XXXX @ XXXX, I received an automated email from Prosper Customer Support stating they received my question or concern and will respond as soon as possible. 

On Wednesday, XXXX XXXX @ XXXX, I received another automated email from Prosper Customer Support confirming they received my issue and are working to address it as fast as possible. 

On Monday, XX/XX/2022, I contacted Prosper Customer Support to follow up on my issues. After 2 more hours, I was told that an email was sent to a supervisor as sent an email to another department to speed up my issue. I then requested just to close the account. They refused to close the 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 2022-02-01 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have sent letters to XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681

Company response to consumer: Closed with explanation