vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.

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 2022-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
I have been found fraud in Financial agreement with Credit acceptance. Stated By law under Truth in Lending Act, these violations must be compensated and due to fraud the contract automatically goes into default. I have sent out letters to Company CEO XXXX XXXX to resolve this matter asap.

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 2022-04-01 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: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future 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 2022-04-01 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: TX

Complaint narrative:
After review of my personal credit report, I see inaccurate information of accounts that were previously erased and than put back on my reports wrongfully and without my written consent.These issues are in violation to The Fair Credit Reporting Act, 15 USC Sec 1681 ( I ) ( a ) ( 1 ) ( 2 ) ( A ) ( B ) ( C ) ; and 15 usc 1681 section 602 A

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 2022-04-01 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: FL

Complaint narrative:
I am here to provide proof that Equifax did an illegal act and broke the Fair Credit Reporting Act when they had re- aged a XXXX XXXX  XXXX Account which is reporting on my credit report. All the evidence is taken from the Equifax online account. It has the date at the top of the page when the information was downloaded. Equifax was saying that the XXXX XXXX  XXXX Account that is reporting on my credit report was XXXXyear, XXXX months and XXXX days old. On the Equifax report they claim that the last payment on this account was XX/XX/XXXX. So, they were determining the age of the account based on the date that they claim that the last payment was made on the account and this was illegal. This is despite the fact that on the credit report they are claiming that the account was opened in XX/XX/XXXX. They have now corrected the age of the account after filing my complaints. Because of the violation I asked them to delete XXXX  XXXX XXXX from my credit report but they have refused. This complaint will be apart of the suit that I tend to file in small claims court against this company so as to get this account removed. 
I just thought that I would bring to the attention of the CFPB the illegal action that was done to me by this credit bureau. Kindly see files attached with proof of re-aging that was done by Equifax on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALLIANT CREDIT UNION
State: VA

Complaint narrative:
I applied for a preapproval for a mortgage with Alliant Credit Union on XX/XX/XXXX. I received one email from a loan officer seeking additional information on XX/XX/XXXX, but nothing afterwards. I followed up with the loan officer on XX/XX/XXXX and XX/XX/XXXX by email and phone, but still received no response. I sent a letter to Alliant to complain on XX/XX/XXXX, but two months after sending the complaint letter they have not responded, and I still have not been informed of the status of my application or whether it was approved or denied. If my application was denied, I would have been disappointed but would have moved on. However, to just ignore an applicant is very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: GA

Complaint narrative:
Experian has failed to comply with 15 USC 1681c. I never gave authorization, to any consumer reporting agency to make any consumer report containing any of the following items of information, Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years pursuant to 15 USC 1681c ( 4 ) and any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years pursuant to 15 USC 1681c ( 5 ). Experian is furnishing accounts to my consumer report that is a violation of this section. Experian has failed to comply with 15 USC 1681i and 15 USC 1681e ( b ), they are reporting accounts that are inaccurate. There are accounts reporting to my consumer report which are furnished as credit card and auto loan accounts but this information is incorrect based off of the bureau definitions. Experian has failed to comply with 15 USC 1681a ( 2 ) and is liable pursuant to 15 USC 1681n. The consumer report does not include : any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) they have furnished reports containing information which is supposed to be excluded from all consumer reports this is a violation of this section. Experian has failed to comply with 15 USC 1681b ( 2 ) and is liable pursuant to 15 USC 1681n. I the consumer has never gave consent or authorization to report any accounts to my consumer report nor was I ever given the option to express that these accounts do not be reported to my consumer 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 2022-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
I used PayPal service app for 5 months straight and have had around 500 pounds in my account when they suddenly decided to delete my account for absolute no reason. I was begging them to let me know why or how it can be fixed but there was absolutely no response from the support team.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This complaint refers to a previous complaint, ID XXXX, that Chase did not address. 
In their previous response, Chase referred to their Digital Services Agreement to justify their right to delay, block or cancel a payment. However, Chase did not explain why they gave misleading information, at multiple times. 
Chase blocked a wire transfer that I initiated on-line on XX/XX/2021, and specifically asked for missing information such as my Name, Address, DOB, XXXX. All information was submitted twice, both on-line and at the branch. Each time, there was an acknowledging email message, confirming a response would be sent to me within 2 days. In addition, the Chase branch manager, upon contacting the Chase XXXX XXXX department, told me that a reply would be available within 2 days, as he confirmed in his letter XX/XX/2021. The bank never provided any explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Porsche Financial Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2022 Porsche financial SRVC XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Dear Porsche financial srvc, I am responding to your contact about collecting a debt. You contacted me by [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the months of XXXX through XXXX and identified the debt as charge off debt of XXXX. I do not have any responsibility for the debt youre trying to collect. 
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. Where is the proof that I signed for these cars with my personal signature and ID? I would also like for these two debts to be removed from my report. I did not authorize these cars on my report. 

Thank you for your cooperation. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: ENOVA INTERNATIONAL, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX representative, XXXX XXXX, is contacting me about a debt that I've asked him to validate because I have no knowledge of it. He says he's calling on behalf of Cashnet USA. I asked for a copy of the application which he refuses to send. He's contacting my dad 's ex wife and even if this debt is validated I never authorized anyone to contact anyone other than myself or authorized them to search for contact information for people that might be related to me. I never gave anyone my dad 's ex wife 's number because I don't event know her number. I spoke to XXXX twice and asked for them to validate the debt and all he says is that they're going to report the account to all XXXX credit bureaus and that I have by Monday to make arrangements with him. The call today, XX/XX/2022 was recorded. I have call records where he calls repeatedly and within 3 mins of calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, ga XXXX Dear XXXX XXXX XXXX, I am responding to your contact about collecting a debt. You contacted me by [ XXXX XXXX XXXX XXXX XXXX fl XXXX in the months of XXXX through XXXX and identified the debt as charge off debt of XXXX. I do not have any responsibility for the debt youre trying to collect. 
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. Where is the proof that I signed for these cars with my personal signature and ID? I would also like for these two debts to be removed from my report. I did not authorize these cars on my report. 

Thank you for your cooperation. Sincerely, 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 explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: PA

Complaint narrative:
I have a CHIME online banking account, which I have not had problems with until XX/XX/XXXX. On XX/XX/XXXX, I was at home working remotely when I started receiving notifications from the bank about five back to back ATM withdrawals totaling {$740.00}. This all occurred within 2-3 minutes. I have the card in my possession, however, I immediately changed my pin, called the bank then contacted my local police department. The bank closed my debit card and advised me they will open an investigation once the transactions clear. Today, on XX/XX/XXXX, m I received an email from the bank advising me that no error has occurred and therefor the investigation is now closed. After doing some research online, it seems there have been similar scenarios with CHIME, which include money being stolen through ATM withdrawals at XX/XX/XXXX locations. I would appreciate any assistance in getting my money back as this was a big chunk of my paycheck, which was meant for rent and bills. Considering this is also fraud and theft, I am at a loss for words on how the bank just brushed the issue off and closed the matter. Thank You in advance for your time. The way the bank handled this situation makes the whole situation look even worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
The vehicle was discharged through my bankruptcy, however, it is still reported as negative on my credit report for 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 explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: NV

Complaint narrative:
I received a letter, ( dated XX/XX/2022 ) which apparently crossed in the mail with my regular mortgage payment, stating that an amount of {$520.00} was " unapplied. '' And that I needed to send them {$340.00}. I was completely confused. I had not sent any partial payments. 

I wasted some personal time calling in. I initially spoke with XXXX, who simply gave me back the information I had given her. I asked for the manager and spoke with XXXX. He let me know they have this excess amount of money which is mine and that they also had my full payment. I parenthetically state they made mention the word " foreclose '' in their letter. 

XXXX agreed to send me back this money. He said it would take 7-10 business days and I would receive a check. This is what I expected and I believed I would receive a check shortly. 

Some days later, maybe 6 or so. I get an unrecognized call. I usually do not answer, but had workers trying to reach me so I did. Some woman saying I'm XXXX from M & T bank is demanding to speak with me and is telling me I have to fax the bank proof that this excess money is not ill-gotten gains. Or some polite version of that. 

I should have thought that would be the bank 's job to do the forensics on this to understand where they made the error. I told her I didn't have to do any such thing, with slightly more colorful language [ I do not speak to banks by phone unless I actually personally know the people ] and told her that anything else she had to say to me would be in writing and disconnected without another word. 
Please assist me in communicating to the bank the importance of : 1 ) Notifying people they have " unapplied funds '' and leaving the word " foreclosure '' out of documents unless the client is in arrears. 
2 ) Refunding such money the instant it has been discovered, not initiating a conversation about it. 
3 ) Not demanding that the account holder do the tracing of the money. I did not send them additional money, it is likely left over from something they never had to pay for, charged me for it and never returned it. 

Thank you for your assistance in obtaining a refund of these " unapplied '' funds. 

Kind Regards

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 2022-04-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Account Name : Capital One Account number : XXXX As I am looking at my credit report, to my surprise XXXX and XXXX are reporting the above account incorrectly. XXXX is reporting date open XX/XX/XXXX and XXXX is reporting XX/XX/XXXX as a date open. XXXX is reporting a close date XX/XX/XXXX and XXXX is not reporting a close date. XXXX is also reporting my payment as charged off from XX/XX/XXXX to XX/XX/XXXX, while XXXX is not showing a payment history. According to the FCRA, I have the right to an accurate credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: NY

Complaint narrative:
Account Name : XXXX  XXXX Account number : XXXX As I am looking at my credit report, to my surprise XXXX and Experian are reporting the above account incorrectly. XXXX is reporting date open XX/XX/XXXX and Experian is reporting XX/XX/XXXX as a date open. XXXX is reporting a close date XX/XX/XXXX and Experian is not reporting a close date. Experian is also reporting my payment as charged off from XX/XX/XXXX to XX/XX/XXXX, while XXXX is not showing a payment history. According to the FCRA, I have the right to an accurate 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 explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, mn, XXXX Dear XXXX XXXX XXXX I am responding to your contact about collecting a debt. You contacted me by [ XXXX, XXXX XXXX XXXX XXXX fl XXXX. 
and identified the debt as XXXX. I do not have any responsibility for the debt youre trying to collect. 
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. You have no proof that this debt is mine or that I signed for any service or phone. 

Thank you for your cooperation. Sincerely, 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 explanation