vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-02 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: FL

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here.

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 2023-03-02 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: General Motors Financial Company, Inc.
State: MS

Complaint narrative:
GM Financial is illegally reporting information without my expressly written consent or appropriate notification. 15 USC 1681s-2 ( a ) ( 7 ) ( A ) ( i ) requires that any institution that must provide written notification of furnishing any negative information to the credit bureaus. I have no records of any written notification made in the appropriate timeframe.

If GM financial is unable to provide proof of timely written notification, I demand that any and all negative information ( I.e. late payments ) to my credit report be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
I applied for a mortgage and was notified by the lender of this collection account. I called the collection company and informed them that this is not my account. They attempted to verify me and provided the address used located in XXXX Tx which is not my address and is in no way associated with me. They refused to remove the account via phone. I have never done business with, spoken to, rented from, nor have I had any communication with the company for which this debt is owed, XXXX XXXX. This is also impeding on my home purchase process and is affecting my livelihood and credit reports. I need this account removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I regret to report that I have encountered difficulties when attempting to make payments on both tdbank.com and tdcardservices.com websites. Specifically, upon signing into these sites, I was unable to locate any payment options. Even after thoroughly reviewing each page, I was unable to find any payment options available to non-TD bank account holders. As a result, I was forced to make a payment in person at a TD bank branch. 

Upon visiting the TD bank branch, I discovered that my previous payment had been returned. I am unsure as to why this occurred, but I promptly made an {$800.00} payment the same day. Furthermore, I have now been informed that my account has been reported as delinquent to the credit bureau. I believe this to be unjust, considering the issues I encountered with the website, and the fact that the payment was ultimately made I believe on time but may have been processed late. 

I would like to request that the late payment be removed from my credit report. It is unreasonable that I must visit a branch in order to make a payment, and the tdcardservices website only displays my previous TD bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: 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 Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXXXXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX  has violated my rights. Or list of inquiries 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 2023-03-02 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: GA

Complaint narrative:
I am the author of this complaint and also the attachments included in this complaint I recently checked my credit report and I noticed numerous inaccurate and untheorized information 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 2023-03-02 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:
I am the author of this complaint and also the attachments included in this complaint I recently checked my credit report and I noticed numerous inaccurate and untheorized information 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 2023-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
My Chase bank checking account was fraudulently accessed by individual pretending to be Chase bank employees- including a call from fraud department from Chase bank phone number ( number was the same as on the back of my debit card ) After gaining access to my account criminals wired {$15000.00} out of my checking account to XXXX XXXX. When Chase bank called to authorize wire transfer i picked up the call and said i am already on the phone with Chace ( not knowing that i am on the phone with the criminals ) - real Chase employee after i informed them of this - went ahead and released the wire. Which i specifically did not authorize on that call. 
After realizing money were wired out of my account i called Chase bank and asked them to freeze everything - all accounts, all transactions, all online access. This happened about 30-40 min after the fraud wire taken place. I also called XXXX XXXX and gave them account number and the name on the account and asked them to freeze that account since my funds went in there without my authorization. 
After weeks of " investigation '' Chase informed me they were unable to recover funds from XXXX XXXX and denied my claim due to no fraud can be proved or i benefited from this transaction. 
This was escalated a couple of times within chase bank for further review but now they closed the case and said fraud can not be proven. 
i ask you to please help investigate this since chase won't- they are only interested in minimizing their fraud insurance claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: KY

Complaint narrative:
I had a bundled auto and renters insurance policy with XXXX XXXX Insurance.I paid the renters policy for a year and the auto was paid semi-annually. I relocated on XX/XX/XXXX There would be no need for a renters policy for a dwelling I no longer live in. XXXX XXXX Insurance has taken it upon themselves to auto-renew the policy. I paid them fully for my auto and renters insurance for the year of XXXX. They have been notified from XX/XX/ XXXX  of my address change.They have now sent me to Credit Collection Services for an outstanding balance of {$150.00}.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
The Case is in Court, I upload my latest motion submitted on XX/XX/XXXX so we all can be in the same page. case # XXXX, with this Motion, two evidence were deliver, showing I sent them the correct contact info, so there was no need for the eviction notice process to be used by them. 

I was deceive into Court by the Bank lawyers, third party using Eviction Notice, main issue is they had the Correct contact info since I constantly furnished it for loan modification, I have been in contact with them since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: NV

Complaint narrative:
XXXX XXXX XXXXXXXX I inquired about debt consolidation loan on the companies web page clearly states they do a soft pull that does not effect your credit report. This is a False and Misleading statement on their web page, they do a hard inquiry and it has effected my 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 2023-03-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
On XX/XX/2023 I have communicated to XXXX, transunion, XXXX about incorrect information being reported on my credit report. I have contacted the companies in question and they keep reporting inaccurate information. No one is listening to me or cares at all. This is affecting my credit very badly. I've had good credit up until now. I need your help.

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 2023-03-02 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: FL

Complaint narrative:
XXXX 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. 

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 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 XXXX 

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 2023-03-02 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:
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 Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXXXXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or list of inquiries 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 2023-03-02 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: FL

Complaint narrative:
The particular accounts position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sue to present facts that these are being reported efficiently as per the Fair credit Reporting Act regulations. I have done attempts to reach out the Experian, XXXX and XXXX Credit Bureaus but the failed to give me any results or feedback about this concern. Please investigate and remove it from my personal credit file. Thank you. INACCURATE ADDRESES : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX ; INQUIRIES : XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, ACCOUNTS : XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$0.00}XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00}, XXXXXXXX XXXX  XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$4100.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$460.00}, XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1100.00}, XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1100.00}, XXXX XXXX Date Opened : XXXX Balance Owed : {$1800.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1000.00}, XXXX Date Opened : XX/XX/XXXX Balance Owed : {$630.00},

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
I have a XXXX used XXXX XXXX XXXX financed through credit acceptance. I got it in XXXX of XXXX. 
In XXXX XXXX I had paid 2-3 months at once at they were placed under the interest rate instead of my principal. I started to have difficulties paying on it since I was having health issues, and employement issues due to health related problems. I was unable to work causing me to be behind on payments. They were helpful and understanding with that. I told them multiple times I am not paying it due to not having the previous issue fixed. They have called multiple times throughout the year of XXXX. I have told them several times when they called I wasnt going to pay them until I had what I had already paid to them fixed. Now with the new lawsuit stating that the interest rate that I have of 22 % and people are being pressured into loans like myself. I would like to know what to do about it and how it is going to be fixed. I am due to pay over three times what my vehicle is worth. I am unable to find a dealership or car lot that will even accept it for a trade due to it being overpriced. Currently the trade value being XXXX XXXX  and my payoff amount is XXXX my loan amount is XXXX. Just would like to be able to let others know what to expect from this company. Also would like to go by getting out of this loan without hurting my 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 2023-03-02 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing in regards to the following accounts listed on my credit report : XXXX BANK XXXX Collection Account XXXXBANK/XXXX XXXXXXXX Charge Off Account XXXX CARD XXXX Charge Off Account XXXX & XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXXXXXX XXXX Charge Off Account I am disputing the accuracy of these accounts on my credit report. I believe that they contain errors and inaccuracies that are negatively impacting my credit score. 

I am requesting that you investigate these accounts and correct any errors that you find. As a consumer, I have the right to an accurate credit report and I expect that my credit report will be free from any errors or inaccuracies. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am also requesting that you provide me with written confirmation of the results of your investigation within 30 days. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: MS

Complaint narrative:
XXXX XXXX is illegally reporting information without my expressly written consent or appropriate notification. 15 USC 1681s-2 ( a ) ( 7 ) ( A ) ( i ) requires that any institution that must provide written notification of furnishing any negative information to the credit bureaus. I have no records of any written notification made in the appropriate timeframe. 

If XXXX XXXX is unable to provide proof of timely written notification, I demand that any and all negative information ( I.e. late payments ) to my credit report be removed.

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 2023-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX XXXX is illegally reporting information without my expressly written consent or appropriate notification. 15 USC 1681s-2 ( a ) ( 7 ) ( A ) ( i ) requires that any institution that must provide written notification of furnishing any negative information to the credit bureaus. I have no records of any written notification made in the appropriate timeframe. 

If XXXX XXXX is unable to provide proof of timely written notification, I demand that any and all negative information ( I.e. late payments ) to my credit report be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
XXXX XXXX is illegally reporting information without my expressly written consent or appropriate notification. 15 USC 1681s-2 ( a ) ( 7 ) ( A ) ( i ) requires that any institution that must provide written notification of furnishing any negative information to the credit bureaus. I have no records of any written notification made in the appropriate timeframe. 

If XXXX XXXX is unable to provide proof of timely written notification, I demand that any and all negative information ( I.e. late payments ) to my credit report be removed.

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