vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
They came early in the morning and towed the truck from our driveway without any type of warning .This was a 6 month extended lease from a two year with them, their was no late payments with only two payments left on the truck. We had been leasing with the same dealership for the past 15 years with no problems. When we found out Ally had taken the truck they would not give us a reason for taking it .We later found out that some of our payments were going to another account with our name on them .because we have proof from our bank that they cashed the checks and deposited them in their account .They also would not give us our personal property that was in the truck that was in the est. amount of {$2000.00}.

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 2022-08-16 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: 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 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  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: NY

Complaint narrative:
i recieved a credit card in the mail from XXXX XXXX which i never applied for so i disregarded it until a few months later when i was going over my experian credit report and noticed luckily my score was down XXXX points from very good to good due to lack of payment. since i never make a late payment and my payment history is perfect i looked further to see that it was XXXX XXXX who own the XXXX XXXX XXXX XXXX. i have spoken to XXXX XXXX over 15 times ( first time XX/XX/XXXX XXXX ) and explained that this is fraud and was assured by the rep that it would be reported as fraud and the credit agencies would be notified as suchXXXX XXXX XXXX however did not report it as fraud, they reported that they believe the information was accurate about my payment being late and although they assured 10 different reps that the account has been closed. not one thing that XXXX XXXX or XXXX XXXX  has told me has been the truth. they have lied or misrepresented every communication or information given to me. even with my exceptional credit history Experian has done nothing to protect my credit rating. aftyer multiple frustrating attempts to get Experian to help my case i was last told by them that fraud or identity theft is not their problem i should call the police or fbi. i am a 30 year employee of the XXXX XXXX sheriffs dept. working in law enforcement so i couldnt believe my ears. i was given experian by my employer because someone attempted to open a unemployment case under my name fraudulently over a year ago. experian was given to all of us at no fee to monitor and keep our identity and credit safe and the opposite has been done. as of today the XXXX account remains open with negative late payment reporting continuing on my experian credit report and my score continues to go down. i reached out to XXXX one more time but they refuse to look further into the fraud. this credit was never activated and of course never used and rhere are no charges on it. i believe it is ther activation fee they has has not been paid and refuse to close the account unless it is paid. it is criminal but there is no recourse against this co. respectfully submitted. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
On XX/XX/2022 I got scammed from someone claiming to be an XXXX employee. I needed help getting a refund and he said he can send it through Zelle. He ended up saying to send him {$350.00} and he will pay everything back. Soon after I paid him he said he will call right back and ended up blocking me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: MA

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 usc 1681.

Trans union is govern by 15 usc 1681. And they violated my rights numerous of times I demand the accounts listed below be removed because According to 15 usc 1681 : I have the right to privacy and I did not give transunion written permission to furnish these accounts. 
Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16 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: GA

Complaint narrative:
I call XXXX XXXX XXXX today about this Business type Bank Credit Cards I didn't apply for I don't bank with XXXX XXXX never have open up account with them they ask me for my name and social security number see if I have a account with them it came I don't someone have a bank credit cards in my name it on my credit report and this JPMCB Card Services to someone apply for some type Business Bank Credit Cards I don't know this bank

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: LA

Complaint narrative:
XXXX credit bureau fraudulently said I started a dispute in which I did not start a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2022-08-16 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: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3. They assumed this role without permission not only that you did not have my consent. They did not respect my right to privacy which is under 15 USC 1681 a number 4. They did not exercise their grave responsibility, unfair, and was partial. They never had a permissible purpose Under 1681 b number 2. I never instructed them to furnish this report and I never consented to this report in the first place. What I am requesting is that you guys delete all of these accounts off my report. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
There is a XXXX XXXX account listed on my credit report erroneously. Each bureau reports a different date last active. 

Equifax is reporting acitivity under the payment history while reporting it charged-off and they also report the date last active as current ( XX/XX/XXXX ) which means it's illegally re-aged XXXX reports the the date last active as XX/XX/XXXX. That means the account is illegally re-aged. XXXX reports hte date last active as XX/XX/XXXX. 

if this account has really been verified they would all be reporting the same information and also be reporting the correct way but it's completely not correct and it's violating the FCRA on every level.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX 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 explanation
Consumer complaint received 2022-08-16 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 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 XXXXXXXX year old  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 2022-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
Att Sent a Debt to Sunrise Credit Services that was discharge in a XXXX XXXX Bankruptcy I sent the information over to Sunrise Credit Services and they refuse to remove the information from 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 explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Pre approved with a 0 % interest, couldn't verify due to previous complaint with XXXX freeze, PUT XXXX inquiries on my account, would not even process a complaint, wanted me to do their job, Now that i have fixed XXXX say i have too many cards which were the exact same number I had when I applied. these people don't care, cause consumer harm and refuse to have someone call to discuss their issue on their end. 

Capital One for such a large company CFPB regulates doesnt give 2 XXXX  about consumer issues apparently. whats in my wallet, not capital one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc.
State: NY

Complaint narrative:
I received a small XXXX loan and when I was down to the final payments I switched bank accounts and then they stop taking the money and ultimately reported it on my credit report. I made several attempts to pay for deletion and not one answer back.its hindering my life and my credit

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
This company is reporting inaccurate information about a collection that should not be reported on my credit reports. 


CREDIT COLLECTION SERVIC Address XXXX XXXX XXXX XXXX, MA XXXX Phone number ( XXXX ) XXXX Account number XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: VA

Complaint narrative:
n accordance with the Fair Credit Reporting act 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 2022-08-16 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: VA

Complaint narrative:
n accordance with the Fair Credit Reporting act 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 non-monetary relief
Consumer complaint received 2022-08-16 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: LA

Complaint narrative:
Equifax/Equifax credit bureau fraudulently said I started a dispute in which I did not start a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: NY

Complaint narrative:
I am a natural Person, I am a human being, I have rights under 15 USC 1681.

Equifax is govern by USC 1681. And they violated my rights numorous of times. I demand the accounts listed to be removed Because According to 15 USC : I have the right to privacy and i did not give Equifax written permission to furnish these Accounts Account XXXX XXXX XXXX Account Number ending XXXX XXXX XXXX XXXX Account Number ending XXXXXXXX XXXX XXXX XXXX  Account Number ending XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Self Financial Inc.
State: GA

Complaint narrative:
I got a self account in XX/XX/XXXX and finished paying the loan in XX/XX/XXXX. I was supposed to receive a payout in XXXX days. I am XXXX weeks out and I still have not received a payout. I called on XX/XX/XXXX and was told there was an error on my account preventing my payment but I would have to email the account recovery team. Why should I have to email someone when I'm on the phone? The person I was speaking to told me there was nothing she could do about the fact that I never received a payout and I needed to email the company to see what happened to it. This is unacceptable. Why do I have to reach out if there is an error on my account? And if I never called to inquire about my account I never would have known. I am being given the run around about my money which XXXX not be anything to them but its SOMETHING to me, a hard working woman. Self Inc are scammers!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: VA

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act 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