vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-22 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 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 XXXX 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.with no 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 2022-06-22 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
Hello, my name is XXXX XXXX and I am writing to inform you that i am a victim of abuse of my life by these persons name CREDIT ACCEPTANCE, XXXX XXXX under the fair credit reporting act 15 usc 1681 ( a ) They lead me under false pretences that I am the individual thats responsible for THEIR debt Took my property and title and crashed into another person under my name now the department of transportation is asking for fines & fees that again does not have an obligation on me!

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 2022-06-22 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # 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

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 2022-06-22 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX Account # 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
Consumer complaint received 2022-06-22 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As I do every year... I go online https : //www.annualcreditreport.com/index.action to get my credit report. Which I must say is getting harder and harder ... to get. 

Upon filling out all required information I receive 2 credit reports but TransUnion. I follow the instructions, and per instructions I sent transUnion a letter with what they required on the instruction online. 

After several days, I get a letter from TransUnion requesting more data [ phone, address, etc... ] but no credit report. I refuse to provide TransUnion any further information, since they are in the business of selling information to third parties & the public through their their service XXXX. Which honestly I think it should be illegal and CFPB or any other consumer protection agency should look into this and have them stop. How is it that a Reporting Agency that gathers and suppose to keep information private ... Can proceed to sell private citizens information it collects for a profit .... 

Very bad ....

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 2022-06-22 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: MO

Complaint narrative:
I co-signed 3 loans. They were originally XXXX  loans, and they explained they were sold and became all Sallie Mae. As the Co-Signer, this information was only sent to the borrower. I XXXX was in bankruptcy and have been discharged XXXX  XXXX XXXX. The loans were listed as unsecured priority. Upon the discharge the bills began to come to my home address. then the letters of default. I called and they said the loans has not had payment in 2 months. i noticed they had sent this information to the credit reporting agencies. also concerned if this loas should be forgiven,. 

I asked about the law suit on discharge of loans and XXXX and did this apply. Since they are a private debt, the bankruptcy code previously required a adversary proceeding, an had to apply the XXXX test. My chapter listed it was being paid outside my plain. they were aware, as the billing stopped during this period, They knew I was going to be discharged ; I sent the a case that until XX/XX/2021, when a federal court ruled that private student loans are not considered qualified higher education expenses under the U.S. Bankruptcy Code.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: MI

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account/Docket # XXXX ( transunion )/ ( XXXX XXXX XXXX MICHIGAN ) 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 non-monetary relief
Consumer complaint received 2022-06-22 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: SC

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I applied for a loan and derogatory information my ex-husband 's credit card is on my credit report and lowered my credit score to a point that I could not get a loan today. I made a complaint about this information being on my credit report in XXXX and the information was removed. I received a confirmation letter from Chase Bank. This information is now back on my credit report with XXXX. We closed the account in XXXX and were divorced in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Central Portfolio Control Inc.
State: TN

Complaint narrative:
Today I received an alert that a collection item had been added to my credit file. I never received a letter from this company informing me of a bill of any sort. I was not afforded the opportunity to examine or refute anything in accordance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: UT

Complaint narrative:
My auto loan with ALLY AUTO was paid off by my house refi and was overpaid on XX/XX/2022. Since then I have called several times regarding the overpayment and gap insurance refund, initially I was told 30 days, at 40 days I called and was told 50 to 60 days. At day 65, today, I was told it may be another 2 weeks. They have my banking information from all of the payments that I made, yet seem unable to just XXXX the money back that they owe me or get a check out.

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 2022-06-22 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:
I have previously disputed a bankruptcy that you have listed on my consumer profile and asked for proof of verification for this account. please be mindful that this matter is pending litigation and you must provide proof or remove this account 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 2022-06-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2022-06-22 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: PA

Complaint narrative:
This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I recently received communication from you attempting to collect the above-listed alleged debt. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I request verification, Validation and proof that this alleged Debt and Child is mine! In addition I want proof of, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe. 
Cease and desist all collection activity, including all reporting to consumer reporting agencies. Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my requests above within 14 days. 
I have not given anyone written permission to put anything on my consumer report. 
15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

They have no permissible purpose by law to contact third parties with my private or personal information. 15 USC 1681 a 4 speaks on a consumer right to privacy. 15 USC 1692 speaks further on a consumer right to individual Privacy. 
The Privacy Act They have violated my rights to Privacy under FCRA 15 USC 1681 and the FDCPA 15 USC 1692.

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 2022-06-22 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: KY

Complaint narrative:
I applied for a loan and derogatory information my ex-husband 's credit card is on my credit report and lowered my credit score to a point that I could not get a loan today. I made a complaint about this information being on my credit report in XXXX and the information was removed. I received a confirmation letter from XXXX XXXX. This information is now back on my credit report with TransUnion. We closed the account in XXXX and were divorced in XXXX of 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 2022-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: MoneyLion Inc.
State: NC

Complaint narrative:
I opened a regular checking account with money lion In XXXX of XXXX depositing {$200.00} into a checking account XX/XX/XXXX to be used as a credit builder boost account also. I decided to go a diffrent option to help my credit and with banking choice. I decided to close the money lion account in XXXX of XXXX, my deposit was refunded to me XX/XX/XXXX. I subsequently followed up with money lion to confirm my account closure through email on XX/XX/XXXX. The represenative informed me that this was due to a marketing venue even though the email specifically discussed my personal account. I had believed the closure went as planned until I got an email informing me to log into my account due to inactivity and to check in to the credit builder activity. I emailed money lion again to confirm that my account was closed, I got a reply email on XX/XX/XXXX confirming that my account was closed and inactive. Again, I believed that the issue was resolved until I got another email XX/XX/XXXX letting my know that my account was still open and inactive for XXXX  years encouraging me to log in and check my account activity and add funds to my account in the next 7 days from XX/XX/XXXX. I reached out again by phone to confirm closure and they assured me the account was completely closed and deactivated and my personal information had been removed. They promised to send me a formal paper letter in the mail giving me solid proof that my account has been closed, deactivated and discontinued. As of XX/XX/XXXX I have not recieved any documentation from money lion to clarify this issue. I have also been a victim of Identity Theft and Fraud to which I explained that I needed to have this documentation for my own Identity Protection.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Community Cash Management Corp.
State: ME

Complaint narrative:
I receive multiple phone calls every day from Marcam Associates attempting to collect on medical debt. This has occurred for months and, as already stated, happens daily. They call from multiple phone numbers, more than once a day, so its impossible to know who it is if I want to answer the call, and also impossible to block the number. I consider this to be harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NM

Complaint narrative:
I have been trying to recast/reamortize an existing loan for about two months. XXXX/PHH mortgage has utterly failed to process the request. I have now requested a payoff quote and they do not respond. Here is the communication log that has failed to produce action on their part : XX/XX/XXXX XXXX XXXX XXXX XXXX minutes XX/XX/XXXX XXXX XXXX  XXXX XXXX minutes XX/XX/XXXX XXXX XXXX XXXX XXXX minutes XX/XX/XXXX XXXX XXXX EMAIL SENT Recast Letter XX/XX/XXXX XXXX XXXX  EMAIL RECEIVED Please allow 2 business days XX/XX/XXXX XXXX XXXX  XXXX XXXX minutes XX/XX/XXXX XXXX XXXX EMAIL SENT Follow up XX/XX/XXXX XXXX XXXX XXXXMAIL RECEIVED Auto response XX/XX/XXXX XXXX XXXX EMAIL RECEIVED Recast submitted, please allow 10 calendar days XX/XX/XXXX XXXX XXXX  EMAIL SENT Follow up XX/XX/XXXX XXXX XXXX EMAIL RECEIVED Auto response XX/XX/XXXX XXXXXXXX XXXX  EMAIL RECEIVED Still processing XX/XX/XXXX XXXX XXXX  XXXX XXXX minutes XX/XX/XXXX XXXX XXXX XXXX XXXX minutes XX/XX/XXXX XXXX XXXX EMAIL SENT Follow up XX/XX/XXXX XXXX XXXX EMAIL RECEIVED Auto response XX/XX/XXXX XXXX XXXX XXXX XXXX minutes XX/XX/XXXX XXXX XXXX XXXX XXXX minutes XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX minutes

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 2022-06-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2022-06-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
At the end of the lease I was charged for two instances of excess wear, one for {$75.00} and one for {$85.00}. Both of these should have been covered under the lease insurance that I had through GM Financial that covered four instances of {$1000.00}. I have contacted GM Financial four times explaining this, they tell me they are going to open a claim, I call back later and they act like I have never called them before. Originally it was showing on my credit as a late payment. I disputed it through XXXX and it was shown as a charge off. I disputed that and now it's saying three months of charge off and the rest is a late payment.

Company response to consumer: Closed with explanation