vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
A wells fargo credit card was opened in my name. Amount charged is {$420.00}. I contacted Wells fargo and they have since reported and closed the account but the missed payments have affected my credit score.

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 2024-05-02 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SANTANDER HOLDINGS USA, INC.
State: LA

Complaint narrative:
I XXXX XXXX XXXX, had negative and false and misleading information reported to my consumer reports all 3 including XXXX XXXX and XXXX by Chrysler capital on a collection of an alleged debt, The alleged debt stopped being a debt when the original creditor charged it off, sold it and took the tax deduction for the loss. No UCC 11 liens to prove alleged debt. Request books of accounts of credit pursuant to IRS 583 to verify and validate. I demand that you delete these false reporting immediately off of all of my consumer reports, XXXX, XXXX, XXXX and also early warnings systems or I will also contact the sec the attorney general and pursue legal action and trail by jury

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: LA

Complaint narrative:
I XXXX XXXX XXXX, was contacted by Hunter Warfield on XX/XX/year>, on a collection of an alleged debt which I didnt consist of and they lied and said I did, The alleged debt stopped being a debt when the original creditor charged it off, sold it and took the tax deduction for the loss. It became an INVESTMENT when it was first sold and that 3rd party had knowledge it was A alleged BAD DEBT. No UCC 11 liens to prove alleged debt. Request books of accounts of credit pursuant to IRS 583 to verify and validate.

NEVER SIGNED AN AGREEMENT WITH THIS CREDITOR. THIS IS NOT THE ORIGINAL CREDITOR. THESE OR DUPLICATE ACCOUNTS. US CODE 1692e False and Misleading Representations US code Notes/ A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. 
Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. ( 2 ) The false representation of- ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 
1. The false representation or implication that any individual is an attorney or that any communication is from an attorney. 

I demand that you delete these false reporting off my consumer reports XXXX, XXXX, and XXXX, immediately or I will sue you in a federal venue with trail by jury And I further cease and desist any communication attempts and reporting from you on my consumer report ucc 1-202 upon this notice you have been notified

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

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 2024-05-02 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.

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 2024-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Unifin Inc.
State: CO

Complaint narrative:
This collection company keeps calling several times a day looking for an XXXX or XXXX XXXX. I don't know who thos person is. I have told them this yet they continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Ive been trying to use my card. It keeps declining,, Ive called they tell me it froze they cant tell me why, I call back she says it froze they trying to verify a check I cash, which they ask for someone to speak with I give them the numbers to XXXX XXXX now they tell me its not verifiable numbers to XXXX XXXX, Im not understanding this problem at all, I have {$1200.00} in my account already they place a hold dont let me get my money Ive called, Ive went to branch, they tell me everything is by phone. Really confusing, not telling me anything I have to do to solve these issues XXXX not understanding why all my funds is being on hold as well?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
A XXXX XXXX credit card was opened in my name. Amount charged is {$420.00}. I contacted XXXX XXXX and they have since reported and closed the account but the missed payments have affected my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting 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: AR

Complaint narrative:
Reporting information on a consumer 's credit report without their written consent is identity theft. I did not give anyone written or verbal permission for them the place such information on my consumer report. Because my privacy rights have been violated, am demanding the company block and remove the accounts from my consumer report not later than 4 business days after such information that I have provided. Inquiries : 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 XXXX XXXX XXXX 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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Reporting information on a consumer 's credit report without their written consent is identity theft. I did not give anyone written or verbal permission for them the place such information on my consumer report. Because my privacy rights have been violated, am demanding the company block and remove the accounts from my consumer report not later than 4 business days after such information that I have provided. Inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

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 XXXXXXXX Account Number XXXX, Account name : XXXX XXXX XXXX Account Number XXXX, Account name : XXXX XXXX XXXX Account Number XXXX, Account name : XXXX XXXX XXXX Account Number XXXX, has violated my rights. 


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 non-monetary relief
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Our mortgage lender recently pulled our credit report ( XX/XX/XXXX ) and almost immediately upon pulling our report I started to receive unsolicited calls and texts from other mortgage brokers. The credit reporting agencies released my information to third party companies. The calls were never ending and clogged up my phone to the point I had to block all calls except those on my contact list. On XX/XX/XXXX I started receiving new unsolicited calls at XXXX until XXXX. I received XXXX unsolicited calls throughout that XXXX day! Ive included screenshots of all the calls I received today ( XX/XX/XXXX ). Why are the credit reporting companies allowed to sell my information without my permission? Its wastes my time which is lost productive hours I could be using to make more income.

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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
Midland Funding using the XXXX XXXX lawfirm entered a judgement in court against me for a credit card debt. This debt is listed on my credit report. I have been paying on this debt by taking my payments to the XXXX XXXX XXXX in XXXX NC where the judgement was filed. Periodically my credit report keeps showing an increase in the amount I guess due to interest accrual. But Midland Funding refuses to update the payments made even though XXXX XXXX has reported the payments to them. For instance I made a payment of {$200.00} which was reported to Midland Funding on XX/XX/XXXX and another payment of {$200.00} which was reported to Midland Funding on XX/XX/XXXX. Since XX/XX/XXXX they have reported on my credit report an increase to the balance on this debt at least XXXX XXXX XXXX times and have yet to decrease the balance to reflect any of the {$400.00} in payments. 
This has happened regularly over the past year since I started making payments via the XXXX XXXX XXXX office. I have entered numerous complaints through XXXX and XXXX ; usually that leads to them correcting the debt amount. They appear to be intent on adding as many negative hits against my credit report even though I am paying on this debt regularly. The XXXX number is XXXX XXXX. XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I called on XX/XX/08 /2024 reason for the call was, the credit card took the whole amount that was owed, I disputed the the charge due to there system online not updating, in the passed I adjusted it to minimum payment but it kept reverting back to the full amount, I logged online and adjusted it to minimum payment in XXXX and in XXXX, due to their system not updating. I had a payment charge for whole amount and it was declined for insufficient fund in XXXX and in mid XXXX which no Sense when I had already dispute it on the began of XXXX and women update and they yet haven't even returned my refund it's been 32 business days, when I was told it would take 7-21 business days

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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: SC

Complaint narrative:
These are the discrepancies in this account! 

SELF / LEAD XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Secured loan Secured loan Secured loan Bureau Code : Individual Individual Individual Account Status : Closed Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$530.00} {$530.00} {$530.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Closed - Closed or paid account/XXXX  balance Secured Date Last Active : XXXX The discrepancies in the account across the three credit bureausXXXX, XXXX, and XXXX in the following areas : Account Number : XXXX : XXXX XXXX & XXXX : XXXX Discrepancy XXXX XXXX 's account number has a different prefix compared to XXXX and XXXX. 
Account Status : XXXX : Closed XXXX & XXXX : Paid Discrepancy : There is a variation in how the account closure is reported ; " Closed '' vs " Paid ''. 
Date Opened : XXXX : XX/XX/XXXX XXXX & XXXX : XX/XX/XXXX Discrepancy : The opening date of the account differs by 8 days between XXXX and the other two bureaus. 
No. of Months ( terms ) : XXXX & XXXX : XXXX XXXX : XXXX Discrepancy : XXXX reports the term as 0 months, which may indicate an error or a lack of data. 
Last Reported : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Discrepancy : There are variations in the last reporting date across the three bureaus, with XXXX XXXX report significantly later than the others. 
Date Last Active : XXXX & XXXX : XX/XX/XXXX and XX/XX/XXXX respectively XXXX : Not reported ( - ) Discrepancy : XXXX does not provide a date for last activity. 
Date of Last Payment : XXXX & XXXX : XX/XX/XXXX XXXX : Not reported ( - ) Discrepancy : Like the 'Date Last Active ', XXXX does not report the date of the last payment

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
Complaint Letter to the Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX : XXXX : XXXX Date : XX/XX/XXXX Consumer Financial Protection BureauOffice of XXXX XXXX XXXX XXXXWashington, D.C. XXXX Subject : Formal Complaint Against Nissan Finance and Authorized Dealerships for Misleading Practices and Poor Customer Service Dear CFPB, I am writing to formally lodge a complaint against Nissan Finance and its authorized dealerships, specifically XXXX XXXX XXXX and XXXX XXXX XXXX, for their misleading practices, unscrupulous behavior, and overall poor handling of my vehicle lease end and purchase process. 

Background : I am the co-owner, along with XXXX XXXX, of a XXXX XXXX XXXX leased from Nissan Finance. As the lease neared its end, I attempted to either return the leased vehicle or purchase it, starting from XX/XX/XXXX. However, my efforts have been met with consistent evasion, misleading information, and highly unprofessional behavior from the staff at the aforementioned dealerships. 

XXXX XXXX : XXXX. Misleading Sales Tactics : Despite clear communication regarding my intent to return the vehicle or explore options for a new lease similar in terms to my previous arrangement, dealership personnel repeatedly attempted to steer me toward unfavorable and unsolicited trade-in deals. 
XXXX. Failure to XXXX XXXX : On multiple occasions, after receiving direct assurances via phone and email that my concerns would be addressed, I was subjected to the same unhelpful and aggressive sales tactics, with no genuine effort made to resolve my situation. 
XXXX. Negligence and Potential Financial Harm : Most concerning is the handling of my visit on XX/XX/XXXX, after receiving a repossession warning from Nissan Finance. The dealerships staff ran my credit without achieving any result and proposed switching me to an inferior vehicle make, not aligning with the contractual agreement of having the option to purchase the leased vehicle. 

This series of actions demonstrates a pattern of deceptive practices and customer manipulation aimed at maximizing dealership profits at the expense of consumer rights and transparency. 

Request for Action : I urge the CFPB to investigate these practices and take appropriate action to ensure accountability and prevent further exploitation of consumers. I also seek assistance in resolving the matter with Nissan Finance directly, ensuring that my consumer rights are upheld and that any negative impact on my credit score is avoided. 

Please find attached all relevant communications and documentation supporting my claims. 

Thank you for your attention to this serious matter. I look forward to your prompt response and assistance in resolving these issues. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Green Square Company LLC.
State: CA

Complaint narrative:
on XX/XX/XXXX I received a phone call from a Massachusetts area code ( XXXX ), I answered because I am from Massachusetts and thought it might be related to a family member. The person on the phone told me they were trying to deliver legal documents to me but that they couldn't with the address they had. I asked them " is this a scam? '' and they said " no, are you not aware that you have legal documents coming to you? '' and I said no. I asked them who was calling me and they said XXXX XXXX XXXX service. They gave me a phone number and a reference #. I called the phone number - ( XXXX ) XXXX and gave the person who answered the reference number. They said that they were a law firm who would be suing on behalf of their client who was trying to collect a debt. I told them I knew nothing about this and they sounded/acted surprised. I asked them what the debt was for and they said it was for a Massachusetts medical bill. I told them I had not lived in Massachusetts since XXXX, and any medical bill I would owe would be even older than that. They said it was for a hospital, and I said " so that might be XXXX or XXXX, don't debts older than 7 years have a statute of limitations? '' and he said that once a debt collector buys the debt the years and statutes change. I asked for proof of the debt, history, records, receipts of the debt being bought, and the original bill. He said that I would not be able to get that stuff unless I settled the debt, or went to court. I said " you're going to sue me for a XXXX XXXX XXXX debt that you bought for pennies on the dollar? '' and he said yes, and I asked " so you're going to summons me to court in Massachusetts? '' and he said " no, likely your local court. '' I asked who he represents and he said XXXX, ' and then I asked for his information and his company information - XXXX XXXX XXXX XXXX XXXX Nevada , and his name was XXXX XXXX XXXX # XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2024-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: CA

Complaint narrative:
XX/XX/24 XX/XX/24 Received Text messages from Mercantile Adjustment Bureau regarding a XXXX  account. 

On both occasions I responded to the text message with " Who are you wanting to contact? '' There was no response I have not received any phone calls or letters regarding this debt. 

To my knowledge, I do not now, nor have I ever had an account with XXXX this appears to be an online store.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FMA Alliance, Ltd.
State: TN

Complaint narrative:
On XX/XX/2024 I received an email from FMA Alliance LTD claiming an XXXX account is now with them for the amount owed of {$38.00} File Number : XXXX. I gave the company XXXX business days to send me a written notification. They failed to send a written notice. They only sent email communication that did not contain all necessary information required by CFPB. I have a copy from the United States Postal Service for mail received up until today to show no mail was received. I can release this upon request. DO NOT close this complaint without my response to the collection agencies response.

Company response to consumer: Closed with explanation