vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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  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 of 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 2024-01-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Company explaining amount owed
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I had got a vehicle in out town Delaware, which the dealer was credit acceptance. I have purchased a vehicle in XX/XX/XXXX your contract was a little sketchy. They miss use my down payment by putting {$18000.00} that I put down for down payment knowing that I did not have XXXX I put down XXXX because of my credit score was XXXX at the time, when I XXXX XXXX to my second child, they came and repossessed my car because I was behind XXXXne month I stated to credit acceptance that was unlegally to repo someone car for a month! I wind up giving them XXXX to get my car. I had to go to XXXX New Jersey to pick my car up, They said I would have to keep up with the payments which the monthly payments with {$470.00} every month due to hard times, I had lose my job but continuing making payments here an there so they wont repossess my car again. They had my old address on the old contract which it was in XXXX New Jersey someway they wind up finding out about my new address which I never told them about the new address that I was at but still was making payments here and there yesterday they came while I was at work and repossessed the car without no email stating that my car was getting repossessed, I called the company. The company told me if I come up with {$700.00} that they will release the vehicle that I owe XXXX. I spoke to the company of last year that they agreement with me was to pay XXXX every XXXX week. My last XXXX payments of this year was in XX/XX/XXXX. This company has me in a fraudulent contract and was charge me with a high XXXX 18 % which the state of New Jersey doesnt have that high rate. They are being sued by the New York attorney for the fraudulent contacts they are putting their clients in.

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 2024-01-24 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: OH

Complaint narrative:
Back on XX/XX/XXXX and XX/XX/XXXX I submitted the bill from the title company showing money was withheld at closing for taxes when I closed in XXXX of XXXX. I submitted a receipt showing my taxes where paid in full for the first half of the year and they still processed the payment they were not suppose to do so paying my taxes and did not reply to my communication that I sent over a week ago. My escrow account is now in a negative balance because the company did not communicate with me showing all the proof they were not responsible for paying taxes the beginning year. This has put my escrow is negative balance XXXX and I have to pay the difference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: FL

Complaint narrative:
I recently found that there are several inaccurate items on my credit report that dont belong to me. I do not have a record doing business with these companies. I have documented all correspondence with your company. Please remove these inaccurate items immediately, as you know they are in violation of the Fair Credit Reporting Act. 

SECURITY CREDIT SERVICES FRAUD AMOUNT {$22000.00} ACCT # XXXX SECURITY CREDIT SERVICES FRAUD AMOUNT {$22000.00} XXXX  # XXXX This debt is also a violation of the Fair Debt Collection Practice Act In the state of Florida, a Consumer Collection Agency License is required for agencies which collect consumer debt owed or due to another person.i have sent documentation from the XXXX XXXX XXXX which shows they are violating the law by trying to collect on a debt and they are not licensed in the State of Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: VA

Complaint narrative:
I am a confirmed victim of the Equifax data breach, during which my personal information was illicitly sold and purchased. In light of this breach, I am requesting the immediate removal of all unauthorized entries from my credit reports. Enclosed is evidence confirming that Equifax acknowledged my status as an affected individual. Despite this, no action has been taken by Equifax. I urgently seek assistance in expunging/deleting these illegitimate accounts from my credit history which have caused me great harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Want address of where I used to live 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
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 of 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 non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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  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 of 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 2024-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I keep getting email saying I have used x amount of my balance. Yet when I contacted the copy with my earlier complaint they say I do not have an account. See attached email dated XX/XX/24.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THESE ACCOUNTS ARE NOT MINE AND FOR A LONG TIME I HAVE WANTED THEM TO BE REMOVED FROM MY CREDIT. IT IS SOMETHING THAT HAS HURT ME FOR A LONG TIME. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Reached out to reporting agency company to retrieve the information and to freeze the report until reported information was accurate, No response allowed the full 30 days from XX/XX/year> to obtain this information. 
Reached out to the XXXX XXXX to request that they correct the information no response from the actual company. 

XXXX of 2023 the residential company filed for eviction, I appealed the eviction and started paying the XXXX Courts directly for XXXX and XXXX of 2023. In XXXX of 2023 a sheriff showed up at my door to evict. Provided the sheriff the information that my lease was paid up to date with XXXX XXXX and the sheriff left the home. On XX/XX/XXXX I moved my things out and mailed the mailbox and resident key back to the office at the time was the house on the corner of the community. 

Collection agency is reporting that I was charged up to XX/XX/year> the lease I signed ended in XX/XX/year>. 

Reporting amount is XXXX lease ended XX/XX/year> credit agency is reporting end of lease XX/XX/year> im being charged for dates that were not included in my lease.

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 2024-01-24 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: DriveTime
State: AZ

Complaint narrative:
This company keeps opening a closed account and it is damaging my credit. It brings my credit score down. I keep telling them to close it out but they dont.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: PNC Bank N.A.
State: RI

Complaint narrative:
Auto loan generated 3 hard inquiries. Under the Fair Credit Reporting Act they were not for a firm offer of credit for therefore they should have been soft inquiries. Also contacted XXXX to remove the information but they stated they do not follow the Fair Credit Reporting Act and also refused to identify themselves other than XXXX. The inquiries are from XXXX XXXX, PNC Bank and XXXXXXXX XXXX on XX/XX/2023. These have negatively impacted my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: MD

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.

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 non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: MA

Complaint narrative:
On XX/XX/year> disputes were initiated for XXXX charges. On XX/XX/year> I requested that these XXXX disputes be closed and the money returned to the merchant. The merchant reports the funds have not yet been returned to his account and threatens legal action unless I send him a check for those amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I tried to close my account with capital one as they wouldn't release my check so I wanted to cancel it and just go cash it in person. They started to close it, but now they said there's an open case on my account preventing it from closing. It's been 2 weeks and nothing 's changed and they don't give me a straight answer. They processed and cashed my check and now I'm unable to retrieve the funds, nor will they issue me a closing account check like they're supposed to. No supervisor can tell me why it's taking so long or when I can expect it to be done. This is crazy, they're holding XXXX $ that I need for rent and it's been almost 3 weeks!! Calling customer support only leads them to give me scripted answers and nothing is being done so I'm left with no choice but to file a complaint for incompetence and unwillingness to give me my money and close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2024-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
.Make a validation with all of the information.

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 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I reviewed a copy of my credit report and I noticed there were some fraudulent inquiries listed on my report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. 

Here are a few inquires that I found on my credit report : XXXX. XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX. XXXX XXXX ( Finance ) XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX. XXXX XXXX. XXXX XXXX ( Finance ) XX/XX/XXXX XXXX. XXXX XXXX ( Finance ) XX/XX/XXXX XXXX. XXXX XXXX ( Finance ) XX/XX/XXXX XXXX. XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX. XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX. XXXX XXXX ( Finance ) XX/XX/XXXX XXXX. XXXX XXXX XXXX ( Bank ) XX/XX/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 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I reviewed a copy of my credit report and I noticed there were some fraudulent inquiries listed on my report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. 

Here are a few inquires that I found on my credit report : XXXX. XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX. XXXX XXXX ( Finance ) XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX. XXXX XXXX. XXXX XXXX ( Finance ) XX/XX/XXXX XXXX. XXXX XXXX ( Finance ) XX/XX/XXXX XXXX. XXXX XXXX ( Finance ) XX/XX/XXXX XXXX. XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX. XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX. XXXX XXXX ( Finance ) XX/XX/XXXX XXXX. XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Automated Collection Services, Inc.
State: OH

Complaint narrative:
I have disputed this collection 3x. Each year, they sell it to a different company and then I have to go through the process of getting it removed. This is a fraudulent account. My information does not match the information they have on file. I do not have any late accounts, all of my accounts are in good standing and have been for 5 years in a row. I have reported this as fraud last year in XXXX and again in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
In accordance with the fair credit reporting act XXXXXXXX XXXX has violated my rights. 15 USC 1681 section 602 states i have rights to privacy.

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

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

The response they sent back STILL violates these codes listed above please read 15 USC 1666B. Please REMOVE ALL LATE PAYMENTS

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