vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG FINANCIAL CORPORATION
State: MI

Complaint narrative:
XXXX debt collector called and reported I owed a debt they are collecting. From check n go in 2018. They verified my name and then the last 4 digits of my SSN. I expressed my disbelief in this debt, as I have never used this type of service and was hung up on. I called the number back, another individual answered verified my name, again the last 4 digits of my SSN, and I then asked for my address to receive dispute forms, which was then read to me. I expressed my disbelief and was then again hung up on. The debt, they claimed, stemmed from 2018. I have never used check n go services. Frankly I am in high disbelief that i would have been able to qualify for their services in 2018. XXXX debt collector called from XXXX. I will wait to see if this company can provide proof of this debt. I contacted Check n go, Allied Services debt collector for Check n go, they state they have no record of my SSN. As of now this appears as though a phishing scam or bad collecting practices if this is a real licensed debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting 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:
This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately.

1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
during the trial period they had me on I was told on several occasions. I was in good standing the representative XXXX XXXX they assigned me confirmed with me in XXXX XXXX XXXX that I was in good standing and did not need to send any more money, she also advised that she needed to send an email their cashier department to have the funds I had sent released and applied according. I took it upon myself to send in additional money to ensure all the transactions were good. Soon after this I received a certified letter from PHH advising I had short paid the modifications and yes that confused me being that I called each month during the trial and was told each time I was in good standing. To my surprise now I have to reapply for another trial period. Also they have sent me a copy of the last money order I sent them with a signature on the back of it which is not mine. per the letter / copy they sent me states this copy is legal tender I have taken the copy to a bank and to the XXXX office where I purchased it and was told/advised they could not do anything with the photocopy of the XXXX XXXX. i have called PHH on several occasions in attempt to get this solved. I am being taken full advantage of YES I do believe so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting 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: GA

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 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 XXXX 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.

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 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-09-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC
State: SC

Complaint narrative:
I do not owe debt they are saying that I owe I am a victim of identity theft. I have reached out to the agencies and have not received any information on debt owed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paragon Subrogation Services, Inc
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, State, Zip ] XXXX [ Phone Number ] [ Date ] Fleet Response XXXX XXXX XXXX XXXX. 
XXXX, OH XXXX Phone : XXXX Re : Dispute of Account # XXXX ( Previously : Paragon Subrogation Services ) Subject : Notice of Intent to Pursue Legal Action for Non-Compliance and Erroneous Reporting Dear Sir/Madam, I am writing to express my deep concern regarding inaccuracies in my credit report, which I previously brought to your attention on [ reference the date of the previous dispute letter ]. Despite my efforts to rectify this situation, the inaccuracies remain, indicating a concerning disregard for my rights under federal law. 

The disputed information includes, but is not limited to, the following account names and numbers as they appear on my credit report : The Fair Credit Reporting Act ( FCRA ) entitles me to an accurate credit report, which includes the correction or removal of erroneous, inaccurate, or outdated information in a timely manner. Additionally, the XXXX XXXX Compliance guidelines mandate that you uphold the highest standards of data accuracy. Your continued failure to address the inaccuracies in my report is a clear violation of these guidelines.

I urge you to rectify these inaccuracies within 15 days from the receipt of this letter. Should you fail to do so, I will be compelled to explore all legal avenues available to me, including filing a lawsuit for non-compliance under 15 U.S. Code 1681i. This could result in statutory and actual damages, attorneys fees, and court costs.

I trust that you will handle this matter with the urgency and seriousness it warrants.

I anticipate a swift response and a corrected copy of my credit report within the specified timeframe. Any failure on your part to meet this obligation will leave me with no choice but to seek all remedies available under the law. 

Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I disputed incorrect reporting on my credit report and did not receive a timely response. Please remove incorrect report on my report 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 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Inaccurate Information on my credit report, 15 U.S CODE 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: PR

Complaint narrative:
On XX/XX/XXXX, a first payment was made, which we found out today that it was never processed at that time and there was no notification ( by mistake in the account number entered in the system ) from GM financial and then XXXX additional payments were made on XX/XX/XXXX of XXXX to maintain the account in advance. In XX/XX/XXXX we were traveling and we thought that the account had a month in advance, so a XXXX-day delay was reflected in an error due to non-notification of the first payment not processed and not notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe
State: CA

Complaint narrative:
On XXXX I took out a {$750.00} loan with River Valley Loans ( aka Wahido Loans ) because I was struggling to survive as a young adult. When I initially took out the loan, I was not given terms that agreed to the absurd amount of interest they charged me ( 676.9 % ). If I was given these terms, I would not have agreed to take the loan at the time. After this, I made every single payment with no late payments. I paid this loan off on XXXX I began to wonder why my checking account has been so low, and reviewed to find out that I repaid River Valley Loans over {$4000.00} for a {$750.00} loan taken out less than a year prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I noticed the following accounts on my credit which I don't recognize and I suspect identity theft, I am going to open a formal investigation with my local police department : XXXX XXXX XXXX, XXXX ( XXXX ) XXXX, XXXX XXXX ( XXXX XXXX, XXXX XXXX ( XXXX XXXX XXXX ) XXXX MY NAME IS OFTEN MISTAKEN FOR XXXX , MY ACTUAL NAME IS SPELLED XXXX WITH AN XXXX. 

MAYBE THESE ACCOUNTS ARE SHOWING UP AS A RESULT OF SOMEONE ELSE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 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 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 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 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 2023-09-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: HYUNDAI CAPITAL AMERICA
State: AL

Complaint narrative:
The company denied me an auto loan twice. Per Title 15 USC 1611, the transaction is based off of my unlimited credit.

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 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have been trying to dispute these issues with no result. This is the letter I sent to the credit bureaus. I received a letter from your firm stating that my letter requesting verification of erroneous items on my report as being classified as " frivolous '' or " irrelevant ''. I assure you that in no way do I consider a matter of such importance to me as frivolous nor irrelevant. In fact if you do not honor my original request to verify the items contained in my previous letter, mailed via certified mail, I will file a complaint with the Federal Trade Commission against your company. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
Dear Officer. 
I filed a complaint as follows. 
1. At my BMW leasing final lease term, the XXXX verified with the BMW Financial, and I paid off {$27000.00} on XX/XX/XXXX ( Exhibit 1 ). 
2. Based on my final lease term on the lease agreement was {$27000.00}. I paid over {$230.00} more than I had to pay ( Exhibit 2 ).

3. BMW Financial sent a payment notice to ask for more money as {$370.00} on XX/XX/XXXX ( Exhibit 3 ).

4. I have contacted the BMW director XXXX XXXX via several phone calls and mail ( Exhibit 4 ) on XX/XX/XXXX and so on. They refused to explain the details and insisted if not paid with request, it would be reported to the credit agency. 
5, The BMW

Financial reported the invoice to the credit bureau, it hurt my credit score from 800+ dropped to 690 ( Exhibit 5 and 6 ).

6. The BMW Financial also sent this invoice to the collection company. The collection department mailed a notice and received it on XX/XX/XXXX. ( Exhibit 7 ).

The BMW Financial owed the consumer an explanation but threatened to file on the credit report.

Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I purchased a vehicle with US Auto Sales in XX/XX/2022. I received a letter from a company called Westlake Portfolio Management stating that I were to start paying them for the auto loan. Later I noticed that Westlake was placed on my credit making my score drop by about 60 points. The amount that was reported to the credit bureau is the same amount of the original loan with US Auto Sales. I was advised by Westlake that they didn't honor the extended warranty purchased with US Auto Sales. My car was repossessed on XXXX by Westlake who is not a lien holder on my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: LendingPoint Holdings LLC
State: TN

Complaint narrative:
I kept getting text messages and voicemails from a place called Lending Points at XXXX saying I was approved for a loan. I didn't apply with them but I did use the lender request sites and figured they were from them. They had my information and was sending me a form to fill out to my email. The agent on the line kept telling me to stay on the line with him and if I have any questions to contact him directly. I started getting red flags because that sounds off. I received the email and before clicking any links in the email. I checked the email address of the sender. The email was a XXXX address and I know that wouldn't be official. The sender was XXXX. I didn't do anything, hung up on the call, marked all the texts and phone calls as spam and came here.

Company response to consumer: Closed with explanation