vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-25 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
XXXX [ # XXXX ] Your company is in clear violation of the law. Under 15 USC 1681b -permissible purpose of consumer reports, The Law Clearly States ( 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. Did i give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states ( 2 ) Exclusions. - Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) subject to section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report. DELETE the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, which i will also be seeking {$1000.00} per violation for 1. Defamation of character. 2. Negligent Enablement of Identity Fraud. 3. Fair Debt Collections Practices Act 15 USC 1692g violations. 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance -616. Civil liability willful non compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
Received attempt to collect a debt from Credit Management L.P ( File number XXXX ) for a medical services from XXXX XXXX XXXX under acct number XXXX, the bill uses the incorrect name of XXXX XXXX. I contacted XXXX XXXX XXXX to inquire about bill since we have insurance and had not received a bill. 

XXXX check every family member 's name including the incorrect name stated in the bill sent by collector. XXXX confirmed there are NO outstanding medical bills. XXXX also informed me the account number is too long to be an XXXX acct number and is missing letters. In addition XXXX does use Credit Management L.P as a collector. 

I looked up the company and found several fraud reports. 

Things are suspicious in this letter are 1 ) Incorrect Name : XXXX XXXX is Not my last name but it is my daughter 's last names. 
2 ) Acct number is 8 digits ( XXXX ) which XXXX states they use digits and letters for acct information. 
3 ) XXXX XXXX IMAGINING has no outstanding medical bills for our family and does not use Credit Managment LP as a collect.

Therefore, I dispute this attempt to collect as a fraudulent attempt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish an 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 2023-04-25 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: OH

Complaint narrative:
TransUnion is reporting a bankruptcy on my consumer file. TransUnion has put the data furnisher 's as being the US Bankruptcy XXXX XXXX XXXX Ohio, which is false. I have attached a letter from the US Bankruptcy XXXX verifying and stating they DO NOT furnish information to the credit bureaus or any credit monitoring service, nor do they verify or validate any information concerning bankruptcies, for any third-party agencies. 

TransUnion is falsely stating this information on my consumer file and has yet to remove from my consumer report. 

TransUnion has no credible way to ensure that the information they are reporting is factual because the courts do not provide information to third-parties. TransUnion has no right to report information they can not accurately verify because they're not privileged to get any information directly from the courts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25 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: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right 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. under 15 USCS 1666B, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

I have sent several certified letters to these companies, Ally Financial # XXXX, XXXX, XXXX, and XXXX. The response I have received from all companies is that they do not have to follow the laws I mentioned in paragraph 1. I will also attach the letters and responses I received from them. I have waited more than 60 days for them to correct this issue, You have 10 days to comply with the law or my lawyer will contact you to sue for negligence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Peoples Credit Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The XXXX was financed by Peoples credit Inc. of XXXX, IL. I lost my job in XXXX of XXXX ( XXXX XXXX ) and fell behind on my payments. 
On XX/XX/XXXX. XXXX the vehicle was repossessed by Peoples credit IncXXXX My balance with People 's credit at the time of repossession was {$9100.00}. + Repo Fees. which were in the excessive amount of {$4200.00} bringing the total amount to {$13000.00}. This is the amount that shows up on my credit report with XXXX and XXXX XXXX credit Bureau 's. The amount of {$13000.00} is incorrect and should be less after the vehicle was sold privately or at auction. 
By the laws of the state of Illinois I'm only responsible for the Deficiency balance. I've spoken to XXXX XXXX at Peoples credit on this matter several times and asked him why he never provided me with a Deficiency notice for which he's bound by law to do according to the laws of the state of Illinois. 
I'm asking for this agencies help in getting the Deficiency balance from peoples credit Inc, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX ( XXXX ) XXXX Thank You XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: TX

Complaint narrative:
See the documents attached. 
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate 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 2023-04-25 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FORD MOTOR CREDIT CO.
State: WI

Complaint narrative:
lincoln fs debt collector harrass and threatened for payment. i stated, im in a hard ship because of covid and high inflation, that took away my buying power. do not threaten me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: PA

Complaint narrative:
I constantly check my credit report and noticed that there are false and misleading information on this account that didn't meet credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. Im demanding Cfpb to enforce correction of these items with fradulent accounts removed. 

1. XXXX 2. XXXX Reached out to Transunion several times and was unable to get a hold of agents. When i was able to get ahold of agents I was rudely hung up on after voicing my concerns and demanding method of verification. 
Transunion then later completed " investigation '' and items came back " verified '' without any proper documentation proving these accounts belong to 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 non-monetary relief
Consumer complaint received 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX and Experian is reporting a bankruptcy on my consumer report and they have put in the data furnisher as being The US Bankruptcy XXXX XXXX XXXX, which is false. I have attached a letter from the US Bankruptcy XXXX of XXXX verifying and stating that they do not furnish information over to the credit bureaus or any 3rd party companies. XXXX and Experian is falsey stating this information on my consumer report and have yet to remove this from my consumer 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 2023-04-25 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:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX is continually reporting late payments on my credit file I was never late

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I have a family of XXXX children and a wife. They range from XXXX old to XXXX  month. Wells Fargo is Garnishing {$210.00} per paycheck which will put me under the poverty line if they can lower the garnishment that would help me and my family live.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: Uplift, Inc
State: VA

Complaint narrative:
This account is currently reporting on my credit report, and I have not physically signed anything or applied for any type of credit with the merchant. I have previously requested an Investigation into this matter, and I have not gotten a resolution to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: UPGRADE, INC.
State: SC

Complaint narrative:
On XX/XX/2023, A payment of {$3500.00} was posted to my Upgrade Account the amount paid is showing on the following statements : XXXX, XXXX, and XXXX. My account shows a {$250.00}, which should be a XXXX balance. A representative told me the {$250.00} is from an interest fee which I need help understanding the interest fee and I feel Upgrade is being deceptive with debt collecting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Ic systems called repeatedly after I told them to stop calling my work number XX/XX/22 3 times XX/XX/22 2 times XX/XX/22 once, XX/XX/22 once XX/XX/22 once XX/XX/22 once XX/XX/22 two times XX/XX/22 two times XX/XX/22 3 times XX/XX/22 3 times, they even block there number or call from multiple numbers

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
We were working with a lender, XXXX XXXX, supposedly with XXXX XXXX XXXX XXXX XXXX, for a property loan, 100 % financing, and he requested {$1200.00} to start the loan process. On XX/XX/XXXXXXXX  I wired the funds to XXXX, XXXX XXXX listed on wire transfer information. He then started asking for more money and we knew something wasnt right, so I asked for our money to be returned as we were not going to move forward with his loan. He said it would take 7 days to return the funds. After about 10 days, I contacted him, he said to wait until after the holidays, and after that he said he was going to keep {$600.00} for the work he already started with our loan. I have signed documents that state the {$1200.00} is refundable, we never received any services from him or any money. I called my bank to request the funds back, they attempted on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, with no resolve. I contacted XXXX again, he said he returned the complete funds, which was a lie. We have been without {$1200.00} since XXXX, and this guy is literally giving us the run around, even though we have signed documents stating the {$1200.00} was refundable. I dont want anyone else to experience this scam, and we need our money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
XX/XX/2023 Credit Collection Services ( acct # XXXX ) XXXX XXXX XXXX XXXX MA XXXX Sent multiple letters and made many phone calls

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My name is XXXX XXXX and I have been a victim of identify theft for over 8 years. However, within the last year, I have had theft of my savings account with Wells Fargo. I filed a claim with Wells Fargo regarding unauthorized XXXX charges from my savings account that began on XX/XX/2022. I do not have any active XXXX accounts and not sure how someone has tapped into my savings account to pay their XXXX bill. I have had over {$40000.00} in my Wells Fargo account and wasn't aware of the unauthorized fraudulent charges until XX/XX/XXXX. 

I tried to appeal the claim decision with Wells Fargo 's identify theft department and to further investigate the unauthorized charges how someone received access to my savings account and have been paying their XXXX bill using my savings account since XX/XX/2022. Wells Fargo inadequately investigated my claim and made a decision without contacting XXXX. This is unacceptable.

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 monetary relief
Consumer complaint received 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I disputed some inaccuracies and unclear items on my credit report in a letter, and more than 60 days later, I haven't heard back. I feel victimized and my complaints are being disregarded. I expect the immediate deletion of these accounts. I won't wait another 50 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 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I disputed some inaccuracies and unclear items on my credit report in a letter, and more than 60 days later, I haven't heard back. I feel victimized and my complaints are being disregarded. I expect the immediate deletion of these accounts. I won't wait another 50 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 2023-04-25 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: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I had a lease with Santander consumer USA and the car came with a factory defect which the car had to be return and was lease with another company but Santander keeps charging me and bring me credit score down my solution is to remove this from my credit since the car is not in my ownership any more

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: CA

Complaint narrative:
Chrysler Capital (acct# XXXX) $XXXX
XXXX XXXX XXXX XXXX XXXX TX 76161

Contacted via email and phone calls multiple times.

Company response to consumer: Closed with explanation