vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-07 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: NV

Complaint narrative:
On XXXX XXXX XXXX XXXX reported to Experian that I owed {$680.00} and lowered my credit rating by XXXX points. My payment history on XXXX XXXX XXXX 1 late payment made on XXXX XXXX. All previous payments made by payfast are shown. XXXX report to Experian is inaccurate and unfair. I have never been contacted by XXXX for an overdue payment prior to this 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 2023-01-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This is a Kohls Credit Card. I noticed on my credit report that Kohls started my card was past due XX/XX/XXXX. I noticed it a few months ago ( XX/XX/XXXX ) .I called the Kohls XXXX number and spoke to an associate. I was informed that there was never a report made to the credit agencies. 

The card is in my maiden name and is XXXX XXXX. 

I received a letter dated XX/XX/XXXX in which they confirmed that any notation was internal only and was not sent to the credit agencies. I then took that letter and sent it to Kohls again. I received a pre-printed letter stating that my credit report is correct and there is nothing they can do. 

I have a letter from them stating they never notified the credit agencies and they confirmed that. Now they are refusing to correct their error that they admitted to?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
This collection company has been served a cease and desist letter and has not complied and continues to report this on my credit report and i do not owe this debt to no one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: OPORTUN FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was not able to make my XX/XX/XXXX payment because I moved and because some unscrupulous realtors stole my deposit I fell behind on everything. I was not able to pay any of my credit cards on time which resulted in several of them constantly calling and re arranging the payment. Oportun credit card was one of them that did not stop calling, even after explaining the situation and even giving them a date that the payment will be made ( XXXX XXXX ). I was stated by the representative, a lady that if I paid {$120.00} by XX/XX/XXXX everything will be fine and I be back to normal, II was like " oh perfect, I will definitely try to do that. My card statement was {$1000.00} for XXXX. Now I am checking the statement and once again it is {$1000.00}. I called and XXXX, answered. XXXX is the CSR rep that works on the weekends as he stated. I explained the situation and that my card is over the limit again, with the interest of {$36.00} monthly I am not going to be able to bring it back current. I am going thru a financial hardship and need to get help. He stated that they only do medical hardships. I need help because I am a XXXX veteran that depends on their check to pay my bills and I have other debts that leave me no additional money. I would also like to state that I have a personal loan with Oportun lending, which I guess is another division completely different because as soon as I explained to them my hardship they were more than helpful in assisting me and even postponing my payments until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 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: NY

Complaint narrative:
This is a XXXX Credit Card. I noticed on my credit report that XXXX started my card was past due XX/XX/XXXX. I noticed it a few months ago ( XX/XX/XXXX ) .I called the XXXX XXXX number and spoke to an associate. I was informed that there was never a report made to the credit agencies. 

The card is in my maiden name and is XXXX XXXX. 

I received a letter dated XX/XX/XXXX in which they confirmed that any notation was internal only and was not sent to the credit agencies. I then took that letter and sent it to XXXX again. I received a pre-printed letter stating that my credit report is correct and there is nothing they can do. 

I have a letter from them stating they never notified the credit agencies and they confirmed that. Now they are refusing to correct their error that they admitted to?

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 2023-01-07 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: TX

Complaint narrative:
he company XXXX tried to collect a debt that i never owed with then and the day opened was on XX/XX/2022 for a debt that was never owed with an innacurate amount and bought from another company. when i never signed any documents this debt collector that must be removed as soon as possible. 

In Accordance with the Fair Credit Reporting act XXXX  the Account from, XXXX  account number XXXX has violated my rights. 

15 U.S.C 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-07 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My Chase Freedom XXXX card previously reported my account 30 days delinquent for XXXX of XXXX I filed a complaint, and demonstrated that I was not delinquent for XX/XX/ and they removed the delinquency. a couple weeks later they reported my account 30 days delinquent foXXXX XXXX XXXX. I filed a complaint and demonstrated that I was not delinquent for XX/XX/. They removed the XX/XX/ delinquency from my report, then a week later they reported me 30 days delinquent for XXXX  again, even after I demonstrated that my payments were on time. Basically they continue to move this 30 day delinquency to different months despite me proving that all my payments were on time. I am attaching proof of my XXXX XXXX XXXX XXXX XXXX payments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
{$5600.00} XXXX XXXX keeps dinging my credit for a car that has been totaled out. Vehicle has no use and not in possession of it. I have already provided information to dealership to speak with insurance to resolve this issue, also have spoken to numerous people who said vehicle also had gap coverage and Im not obligated to any further payments on vehicle.

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 2023-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
{$5600.00} XXXX XXXX keeps dinging my credit for a car that has been totaled out. Vehicle has no use and not in possession of it. I have already provided information to dealership to speak with insurance to resolve this issue, also have spoken to numerous people who said vehicle also had gap coverage and Im not obligated to any further payments on vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
{$5600.00} XXXX XXXX keeps dinging my credit for a car that has been totaled out. Vehicle has no use and not in possession of it. I have already provided information to dealership to speak with insurance to resolve this issue, also have spoken to numerous people who said vehicle also had gap coverage and Im not obligated to any further payments on vehicle.

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 2023-01-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA

Complaint narrative:
I am going through a divorce. I am XXXX percent totally XXXX Veteran with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I receive {$4100.00} a month in XXXX compensation. My home is in a forbearance and I had to fight with Carrington Mortgage to get this. All of this started aggravating my lupus symptoms and I put the home up for sale, however, I see my soon to be ex-wife has set me up in court not paying anything towards the home but minor repairs and utilities, saved all her money from her job, paid for an attorney, a new car and trying to ask for spousal support. I am trying to get the Veteran Affairs to work with Carrington Mortgage so I can keep my home. I recently got a name change and I tried submitting the documents to Carrington Mortgage, however, they are making it very complicated and discriminating against me to update my name is their systems. I feel as if I am being treat unfair and without dignity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I had online accounts setup with XXXX, XXXX, Transunion, and XXXX to login and check my credit reports which I have not done for several years. I have a freeze on all these accounts. I tried to check the status of each of the XXXX with the online usernames and passwords we had setup. Today I found out than none of the logins I had established work now. None of these companies ever notified me that my login was XXXX. If I desire to make a large purchase and need to temporarily unfreeze the my accounts, I have no way to contact these companies because my logins are shot. I can find no way to write to the companies to correct these problems that they made. The only thing they offer for help is a phone number which leads to an endless que to waste my time with each XXXX of these outfits which I refuse to accept. THEY CAUSED THIS PROBLEM, YET I'M SUPPOSED TO WASTE UNKNOWN HOURS TO GET THIS FIXED. Why are their online security setups so messed up that they can not maintain a login online? This is unacceptable.

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 2023-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I had online accounts setup with XXXX, Experian, XXXX, and XXXX to login and check my credit reports which I have not done for several years. I have a freeze on all these accounts. I tried to check the status of each of the XXXX with the online usernames and passwords we had setup. Today I found out than none of the logins I had established work now. None of these companies ever notified me that my login was XXXX. If I desire to make a large purchase and need to temporarily unfreeze the my accounts, I have no way to contact these companies because my logins are shot. I can find no way to write to the companies to correct these problems that they made. The only thing they offer for help is a phone number which leads to an endless que to waste my time with each XXXX of these outfits which I refuse to accept. THEY CAUSED THIS PROBLEM, YET I'M SUPPOSED TO WASTE UNKNOWN HOURS TO GET THIS FIXED. Why are their online security setups so messed up that they can not maintain a login online? This is unacceptable.

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 2023-01-07 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: Muskegon Car Credit, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX I participated in an " AUTO LEASE '' transaction in the amount of {$22000.00} with Orbit Leasing, LLC of Wyoming, XXXX with an option to buy. I was provided with a form to OPT-OUT of having this transaction and experience shared, TRAFFICED, furnished, provided or reported to ANY non affiliate of Orbit Leasing , LLC dba XXXX XXXX. On XX/XX/XXXX I utilized the form provided by filling it out, signing it and mailing it to Orbit Leasing, LLC via CERTIFIED mail green card return receipt requested, along with a notarized written communication. On XX/XX/XXXX, ORBIT LEASING LLC committed " identity theft '' by in-fact reporting my transaction and experience with them in violation of 15 USC 1681 ( a ) 2 ( A ) ( i ). and 15 USC 1601 ( a ) as it has resulted in injury and actual damages to me in the form of increased cost and denial of accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
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 : Also states a consumer reporting agency can not furnish an 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. 

These accounts on my credit report I do not recognize. The following accounts are fraud accounts and need to be removed immediately. 
XXXX XXXX XX/XX/2022, XXXX XXXX XX/XX/2022, XXXX XXXX XXXX XXXX  XX/XX/2022. *

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 2023-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have always paid my personal credit card, a Chase XXXX XXXX, on time and have had this account since 2009. The credit card company closed my account without any warning or to my knowledge. Somehow I became liable for a business credit card also through Chase Bank, a Chase XXXX card under XXXX XXXX, XXXX. I am not a member of XXXX XXXX, XXXX. Chase Bank keeps reporting late payments on this business card to my credit but won't provide me the application where I signed up for this. I never signed up for this account. I am a victim of fraud and Chase Bank refuses to help and continues to damage my credit history. This is a business account yet somehow it states on my credit report that it's an individual account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 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: VA

Complaint narrative:
On XX/XX/XXXX I placed a dispute with Experian I have requested several times for a letter showing proof. It's been 30 days still no evidence of proof. It will be 60 days by the end of XXXX. It is now XX/XX/XXXX, According to the consumer law I should be treated with fairness and have my credit report showing accuracy. I have requested several times for proof, with my signature with regional XXXX. A copy of the original lease or agreement showing my name and signature listed. You have wrong names listed on my profile and inaccuracy listed under my name. Next step will be to go to State Attorney General.

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 2023-01-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Commenity Bank I have made monthly payments but because I was a few days late they have tacked on excessive fees. Regardless that I am trying to pay they call my phone every day 5-7 times daily. It doesn't matter if it's the weekend, a holiday, no matter the hours from several numbers listed under their company name. 
For example From XXXX They called at today @ XXXX. XXXX From XXXX They called at XXXX This is excessive. I am paying them and can provide documentation to support this but I feel harassed and threatened. I feel violated from excessive phone calls I have attached some screenshots of some of their e cessive calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-07 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any< purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: PR

Complaint narrative:
I was scammed by a person targeting elderly individuals and i incurred heavy losses and Wells Fargo made no attempt to help me recover the losses. The person that scammed me had accounts at Wells Fargo and they could have done more to attempt to recover the losses i incurred since this person was an existing customer. leads me to believe that they are afraid that they allowed this person to defraud their own customers.

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 2023-01-07 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX 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 has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation