vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-25 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: TN

Complaint narrative:
On XX/XX/2021 I checked my consumer report and noticed that Transunion LLC was reporting an inaccurate account on my credit profile. Neither XXXX nor XXXX has this account on my credit profile. This is a violation of 15 USC 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 1 ) The banking system is dependent upon fair and accurate credit reporting. No other consumer reporting agencies have this account listed on my report. This makes this company also in violation of 15 USC 1681e- Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it SHALL follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I am requesting the information from the original creditor and also an investigative report as to why this account is reporting on my consumer report. 15 USC 1681g Disclosures to consumers ( a ) Clearly states Every consumer agency SHALL, upon request clearly and accurately disclose to the consumer : all of the information in the consumers file at the time of the request.

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 2021-12-25 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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAC Financial Corp
State: NM

Complaint narrative:
They allege I owe a debt on an account I never had... Anyone in XXXX or XXXX  NM can walk into XXXX XXXX XXXX and use anyones name.. They do not require ID. Where is some proof that i 1 used these services, and two owe this debt.. I have full coverage medical insurance with 0 copay.. If it was me walking into this hospital, my insurance would have covered the entire balance in full. If they continue to make this claim I will take legal action against them as this is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25 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: NY

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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 2021-12-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
On XXXX XXXX, 2021, XXXX XXXX XXXX of GM Financial received letter as evidenced by Certified Mail tracking # XXXX requesting to have the accountant prepare and file FEDERAL TAX FORM 1099 OID to cover the eligible issues and forensic accounting, corresponding to FinCEN Form 101, " Suspicious activity report '' for the alleged vehicle loan. As of today I still have not received any documents or direct mail response to my request. 

On XXXX XXXX, 2021, XXXX XXXX XXXX of GM Financial received letter as evidenced by Certified Mail tracking # XXXX informing the XXXX that the claim of {$23000.00} is DISPUTED since no response was received. 

XXXX XXXX XXXX of GM Financial was also informed that I'm more than willing to settle any financial obligation I might rightfully owe, as soon as I have received 5 specific pieces of documentary evidence to validate the alleged debt owed. ( Please see attachments ) As of today I still have not received any documents or direct mail response to my request. 

On XXXX XXXX, I received a letter dated XXXX 2021 from GM Financial Title Notice Of DEFAULT , RIGHT TO CURE, AND INTENT TO ACCELERATE, which I found to be very threatening, abusive, obscene and profane language and intimidating consequences to coerce payment of the alleged debt which has not been validated in accordance with FDCPA & FCRA. ( Please see attachments ) Such correspondence is direct violation to 15 USC 1692d ( 1 ), ( 2 ), and ( 4 ). Then there's also violations to 15 USC 1692e ( 2 ) ( A ), ( 4 ), ( 5 ), ( 6 ) ( A ) ( B ) and ( 11 ) for failing to disclose that the communication is from a debt collector. Each stated above violation carries a civil liability of {$1000.00}. 

As of today, XXXX XXXX XXXX of GM Financial has not provided me with any requested validated documentary evidence of proof of the alleged debt. Such action or lack thereof is a direct violation of 15 USC 1692g ( a ) ( 1-5 ) ( Please see attachments )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
Affirm is double charging interest rates and rolling this unlawful double charge into its finance charges in violation of applicable law ... the purchase price for a XXXX XXXX XXXX  on XXXX was {$340.00}, and with tax ( North Carolina sales taxXXXX 4.75 % = {$16.00} = {$360.00} ) but affirm 's unlawful loan terms require me to pay back a principal balance of {$390.00}... ok it's more than double the interest rate which is even worse and more of a TILA violation ). All I know is I was charged {$370.00} from XXXX for this order and this is the highest balance I should be charged interest on... please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported 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 2021-12-25 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: MD

Complaint narrative:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, XXXX, and Experian about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported 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 2021-12-25 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CommonBond, Inc.
State: NY

Complaint narrative:
XXXX XXXX, a loan servicer for CommonBond has been sending me statements with billing errors pursuant to 15 USC 1666 ( b ). The most recent one was a statement from XX/XX/2021 stating I allegedly have a total amount due of {$49000.00} and that I have a current amount due for the month for {$620.00}. I am asking for proof that I owe this debt due to the debt being in the positive. You can not offset a positive with a positive therefore this is a billing error, and if there is a debt that is owed I would like XXXX XXXX and Commonbond to provide proof and that there is no billing error. 

They also sent a letter on XX/XX/2021 that a late payment will be furnished on my consumer report. Pursuant to 15 USC 1681 ( 2 ) ( A ) ( i ) transactions and experiences between the consumer and the person should be excluded from my consumer report which includes late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
LVNV Funding LLC says I have a deliquent account with them, they tried taking me to court to sue me, I was already to go and defend myself when they withdrew their complaint. Since they sent a notice of withdrawal, I want them to remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The following accounts contains transaction history and experiences with the persons that I have engaged in a consumer credit transaction with : XXXX ) XXXX XXXX XXXX ) XXXX XXXX  XXXX ) XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX - XXXX XXXX  According to the Fair Credit Reporting Act, under the exclusion section it states that my consumer report does NOT include : report containing information solely as to transactions or experiences between the consumer and the person making the report. This company is solely responsible for deleting what's been furnished on my consumer report. Moreover, this company did not have my written instructions to furnish this information on my consumer report, which is against the FCRA. So, they did not have permissible purpose nor shall my consumer report contain such information. All balances must be zeroed out 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 2021-12-25 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: NCB Management Services Inc.
State: TN

Complaint narrative:
On XX/XX/2021 I checked my consumer report and noticed that XXXX XXXX was reporting an inaccurate account on my credit profile. Neither XXXX nor XXXX has this account on my credit profile. This is a violation of 15 USC 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 1 ) The banking system is dependent upon fair and accurate credit reporting. No other consumer reporting agencies have this account listed on my report. This makes this company also in violation of 15 USC 1681e- Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it SHALL follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I am requesting the information from the original creditor and also an investigative report as to why this account is reporting on my consumer report. 15 USC 1681g Disclosures to consumers ( a ) Clearly states Every consumer agency SHALL, upon request clearly and accurately disclose to the consumer : all of the information in the consumers file at the time of the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25 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: TN

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: CA

Complaint narrative:
I applied and was approved for a student loan of {$2600.00} from Sallie Mae. The loan was disbursed to University of XXXX on XX/XX/2021. I paid off the student loan out of my personal checking account at an amount of XXXX on XX/XX/2021 after realizing the interest rate is 11.25 %. 

Due to family obligations, I applied for a leave of absence for the 2021 fall semester and was approved by University of XXXX. The university XXXX XXXX and XXXX XXXX staff has confirmed that the {$2600.00} was refunded back to Sallie Mae on XX/XX/2021. Sallie Mae did not disclose this information to me. 

I contacted Sallie Mae by phone twice and explained the situation. However, I have not received a refund of student loan payoff amount as of XX/XX/2021.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25 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: TN

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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 2021-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The following accounts contains transaction history and experiences with the persons that I have engaged in a consumer credit transaction with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act, under the exclusion section it states that my consumer report does NOT include : report containing information solely as to transactions or experiences between the consumer and the person making the report. This company is solely responsible for deleting what's been furnished on my consumer report. Moreover, this company did not have my written instructions to furnish this information on my consumer report, which is against the FCRA. So, they did not have permissible purpose nor shall my consumer report contain such information. All balances must be zeroed out 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 non-monetary relief
Consumer complaint received 2021-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The following accounts contains transaction history and experiences with the persons that I have engaged in a consumer credit transaction with : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act, under the exclusion section it states that my consumer report does NOT include : report containing information solely as to transactions or experiences between the consumer and the person making the report. This company is solely responsible for deleting what's been furnished on my consumer report. Moreover, this company did not have my written instructions to furnish this information on my consumer report, which is against the FCRA. So, they did not have permissible purpose nor shall my consumer report contain such information. All balances must be zeroed out immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
My name is XXXX XXXX, I'm a veteran any rights have been violated according to THE FCRA guidelines and I will be obtaining a consumer rights attorney if this is not rectified. This company doesn't have a legal right to report this debt on my credit report it was purchased by another debt buyer. They keep attempting to change the DOLA and re-age the debt on my credit report my next step is a lawsuit if this isn't removed off my record in 30 days. I already gave my attorney the documentation ; my purpose of filing through the CFPB is to create an additional paper trail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
i have determined one account reported to my account twice one was original creditor and second report was debt collector.i have requested debt collector verified my account requested XX/XX/XXXX and received answer was XX/XX/XXXX for verification of my account then i discovered i have 2 negative account reported same debt i requested both companies for deletion but it is not happened.i m going to send you attached documents

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 2021-12-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
This week and every month prior Chase Credit Card is submitting a payment through my bank at XXXX XXXX XXXX XXXX. When you dont have enough money they will resubmit the payment request to my bank until I have enough money to pay it. My bank then charges me a XXXX dollar nonsufficient fee each time. Putting me further in the hole. Chase is only authorized to request the payment once a month that is how it is setup. Im not sure if the bank is holding the request and submitting the payment repeatedly or if Chase is. I am XXXX  due to COVID and this practice has been contributing to bills not being payed, me being without electricity and facing possible homelessness.

Company response to consumer: Closed with explanation