vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Service Finance Holdings, LLC
State: MD

Complaint narrative:
Every month when I try to log in to the Service Finance Company LLC website, the website doesnt recognize my username and password. I wrote down both when I set up my account, so I am sure that they are correct. I also regularly engage in online banking and transactions and understand how to use the Internet. The mobile app for XXXX is equally bad. This website consistently rejects my valid username and password. As a result, my payments have been recorded late on multiple occasions. To avoid this issue, I tried to set up auto pay, but you can not set up auto pay if your account is late. The website and rules are set up in a very anti-consumer fashion, making it confusing and difficult to make payments. Please update this website and app to make payments more user friendly and feasible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau I recently received an update to my Transunion credit report on XX/XX/XXXX with XXXX added to my file. I have been battling with this company for years now and to date they have been unable to provide me any resolution and adding to my file destroying my creditworthiness. I am a victim of identity theft and Transunion takes this matter seriously therefore I am doing what the Transunion representative mentioned to do. 

I filed an original CFPB complaint in XXXX attaching my Federal Trade Commission Affidavit, and XXXX Police Report and was told by XXXX to send it again so that they can have the erroneous information removed. XXXX has been unable to provide me any documentation pertaining to the {$15000.00} amount reflecting that bears my signature nor ties me to any contract it's disappointing that a company would do such a thing to consumers. The company XXXX XXXX is destroying peoples lives and hurting my creditworthiness. It was deleted once and now 4 years later they are trying the same tactics. I hope that XXXX can see my hardworking in trying to fix my identity theft case and resolve this matter and remove this account please. 

Thank you Transunion for always helping me fight and you've been great at helping me fight identify theft. Identity theft is no fun and so very damaging. Thank you!

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 2022-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX ran an unauthorized Hard Credit Check, today ( XXXX ). 
I contacted them, since I was not even at their facility -- luckily I have credit monitoring. 
But they have still not removed the Hard Check. 
Please help. 

Thanks, 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 explanation
Consumer complaint received 2022-03-30 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: GA

Complaint narrative:
On the date XX/XX/2022 I submitted a Dispute to XXXX, & XXXX concerning information being published on my credit report. Unfortunately they have yet to correct my credit report and as a result my financial life is being dramatically affected. 

In accordance with the Fair Credit reporting Agency Act U.S.C. 1681 & Fair Debt Practices Act 15 U.S.C. XXXX XXXX XXXX XXXX XXXX has violated my my rights. 

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

15 U.S.C. 1692 Section 805A states : A debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place, or a time, or place known or which should be known to be inconvenient to the consumer. 

15 U.S.C. 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with the intent to annoy, abuse, or harass any person at the called number.

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 2022-03-30 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: MS

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 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 2022-03-30 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: MS

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

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: TX

Complaint narrative:
Our mortgage was sold to United Wholesale Mortgage in XX/XX/XXXX. I enrolled for autopay on XX/XX/XXXX as confirmed in attached email. The first autopay was set to draft on XX/XX/XXXX as confirmed in attached email and we made the XX/XX/XXXX payment manually. On XX/XX/XXXX we received a letter that our account is delinquent and XXXX payment has not been received, late fees were assessed. We checked our account and the mortgage payment was never pulled for XXXX. I tried calling the company and they were closed so I used the chat option on their website to explain the issue. I received a response that my next payment was scheduled to auto draft on XX/XX/XXXX ( see screen shot of chat attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I HAVE CONTACTED THE CREDITORS ON XX/XX/XXXX, AND THEY STATED THEY SOLD THE ACCOUNTS AND NO LONGER HAD MY ACCOUNTS. THEY ALSO STATED MY ACCOUNTS SHOWED ZERO BALANCES. THEY ALL HAD SIMILAR STORIES. I HAVE TRIED TO REMOVE THESE ACCOUNTS FROM THE THREE MAJOR CREDIT REPORTS AND ANY OTHER THAT MAY BE REPORTING FIRST REQUEST LETTER STARTING ON XXXX XXXX, XXXX, AND SECOND ON XX/XX/XXXX, THEY CAME BACK ONLY VERIFYING THE INFORMATION UPDATING THE DATES TO KEEP IT ON MY CREDIT REPORTS LONGER WITH IN CORRECT ACCOUNT NUMBERS, INCORRECT AMOUNTS OWED, INCORRECT COMPANIES OWED ETC. CREDIT BUREAUS REPORTING AMOUNTS ETC. THE DIRECT COMPANY AND ALL THREE CREDIT REPORTING AGENCIES WERE OF NO HELP TO ME AND THIS INFORMATION IS DAMAGING MY CREDIT FILES AND VIOLATING MY CONSUMER RIGHTS. I ASKED TO RECEIVE PHYSICAL DOCUMENTATIONS TO SUPPORT THE CREDIT BUREAUS FULL INVESTIGATIONS I ASKED FOR VERIFICATION BECAUSE MY CREDIT SCORES ARE IMPORTANT TO ME AND I DID NOT RECEIVE MY REQUESTS FROM ANY OF THEM. AGAIN, ALL DIRECT VIOLATIONS OF MY CONSUMERS RIGHTS AND FCRA.

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 2022-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I HAVE CONTACTED THE CREDITORS ON XX/XX/XXXX, AND THEY STATED THEY SOLD THE ACCOUNTS AND NO LONGER HAD MY ACCOUNTS. THEY ALSO STATED MY ACCOUNTS SHOWED ZERO BALANCES. THEY ALL HAD SIMILAR STORIES. I HAVE TRIED TO REMOVE THESE ACCOUNTS FROM THE THREE MAJOR CREDIT REPORTS AND ANY OTHER THAT MAY BE REPORTING FIRST REQUEST LETTER STARTING ON XXXX XXXX, XXXX, AND SECOND ON XX/XX/XXXX, THEY CAME BACK ONLY VERIFYING THE INFORMATION UPDATING THE DATES TO KEEP IT ON MY CREDIT REPORTS LONGER WITH IN CORRECT ACCOUNT NUMBERS, INCORRECT AMOUNTS OWED, INCORRECT COMPANIES OWED ETC. CREDIT BUREAUS REPORTING AMOUNTS ETC. THE DIRECT COMPANY AND ALL THREE CREDIT REPORTING AGENCIES WERE OF NO HELP TO ME AND THIS INFORMATION IS DAMAGING MY CREDIT FILES AND VIOLATING MY CONSUMER RIGHTS. I ASKED TO RECEIVE PHYSICAL DOCUMENTATIONS TO SUPPORT THE CREDIT BUREAUS FULL INVESTIGATIONS I ASKED FOR VERIFICATION BECAUSE MY CREDIT SCORES ARE IMPORTANT TO ME AND I DID NOT RECEIVE MY REQUESTS FROM ANY OF THEM. AGAIN, ALL DIRECT VIOLATIONS OF MY CONSUMERS RIGHTS AND FCRA.

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 2022-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
Acima has placed a collection on my credit which they have charged off. I never went through this company to receive any loan or whatever it was used for. This is a fraudulent charge that was accumulated sometime in the early part of XXXX. I have tried to dispute this account twice with no changes so Im going as far as I can to have this removed. My XXXX  account was flagged in XXXX for fraud due to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Please see uploaded attachment. 

Timeline Summary : XX/XX/21 : Purchased product ( XXXX XXXX XXXX known as Proxies for hobby ) from XXXX XXXX XXXX for {$350.00} XX/XX/21 - XX/XX/21 : Attempting to wait for product to work, being patient and retrying each day, logging into XXXX XXXX portal/dashboard, product never being available or working. 
XX/XX/21 : Emailed XXXX  Support requesting refund. XXXX support replied back there are no refunds ( how convenient - for their product that never worked from beginning ). 
XXXX : Investigated online for resolution/similar cases, have found many others on social media who voiced concerns/distrust with merchant XXXX XXXX XXXX XXXX - many in the same situation , purchased product but never received. 
XX/XX/21 : Opened dispute case ( Case NumbeXXXX : XXXX ) with credit card company Capital One to dispute charge and force chargeback from fraudulent/scam merchant XXXX XXXX. 
XX/XX/21 : Capital One closed case, and ruled in favor of Merchant ( not sure how, considering product was never received and merchant never proved product was working? ). 
XX/XX/21 - Now : Endless emails, calls, providing proof and documentation, screenshots with no assistance provided and hours of time going back and forth with no resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-30 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 — Problem with personal statement of dispute
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I submitted a Debt Validation Request to Nelnet, an email confirmation was sent to me XXXX/XXXX/2022. The email stated that my request was received and to allow up to 30 days for a response. On XX/XX/2022 I received a letter from Nelnet stating that no adjustment was needed for the alleged account due to their research. THEY ARE IN VIOLATION OF THE LAW! I requested that the original contract with my alleged signature be sent to me, or drop the debt to a XXXX balance and cease and desist all collection practices. However, they never sent anything aside from the email confirmation, and letter stating that the alleged account is accurate based on their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Pioneer credit recovery Is a company I have never contracted with. now they are stating I owe them money which is a lie I have never contracted with them so there is no money owed to them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
all they want to do is give cfpb some quick answer so they can close the case. you see how they are reading only parts of the dispute and taking things out of context to fit their need. this whole thing is about them not updating my name to my current legal name. i dont see that that part was even addressed at all. cfpb you continue to let them get away with this nonsense it makes no sense. whoever is reviewing these complaints should not be working there they are obviously not doing their jobs. how can they say they checked with the furnisher of the information and they verified it or addressed as as correct. I am the furnisher of the information. So clearly we are not on the same page what is going on here that you keep allowing them to overlook information and not force them to update my information correctly. 

pls see attachement for the complaint/disupute information being request. you see how they continue to address one dispute but not even address the main thing i filed the complaint about. cfpb i am asking you to step in here and not just forward the complaint to them make them abide by the fcra laws. they are supposed to update my information i have and and asked repeatedly but you're not making them do it. what is going on here?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
I, XXXX XXXX, a federally protected consumer recently checked my credit report and notice some unauthorized inquires on my credit report. Please delete immediately XXXX XXXX XXXX XXXX XX/XX/2022

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 2022-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This is a reopened dispute with PRA.

The company continues to assert that they mailed me information that I never received. The company does not acknowledge the debt as identity theft. It is. 

I am a victim of identity theft, both in XXXX, when I first saw the theft on a credit report trying to refinance to pay off the divorce settlement. I tried contacting XXXX car care 's fraud department, the company that had the identity theft line of credit. Each time, the company refused to acknowledge that my reporting the theft means exactly that ... that it is indeed theft. 

I paid a credit clearing company to clear the debt, from my credit reports, since XXXX XXXX  refused to cooperate. 

I was not aware that they sold the identity theft account to PRA until XX/XX/XXXX. I discovered PRA when I opened my credit reports to run my credit to refinance and pay off my loan per divorce decree.

PRA, in previous response through this portal, acknowledge receipt of my claim. The response stated was that the dispute would be looked into and I would be notified of the results. 

Instead, the dispute department posted a negative remark on all 3 credit reports. This is against the law and unlawful to do during a dispute. All negative marks need to be removed from all 3 credit reporting agencies. 

I request all original signed documents applying for this credit card by XXXX XXXX, that your company has in its possession form my records and police report file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have contact these companies several times since XXXX XXXX,2021. I have sent in identification to prove my identity and let these companies know these accounts are not mines. I have no knowledge of these accounts. It has been over 60 days since I have notified these companies and I have not gotten an answer!!! These account remain on my credit file diminishing my character. This is against my consumer rights. 
I have file police reports and sent all documents in to the creditors and the credit bureaus. 

The following accounts are in fact fraudulent identity theft accounts, I have no knowledge of the following accounts on my personal files, and they shall be removed immediately : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of the following addresses listed on my credit files, I have also reported theses addresses to The XXXX XXXX XXXX Department, and Federal Commissions Trade Report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: GA

Complaint narrative:
On the date XX/XX/2022 I submitted a Dispute to XXXX, & Experian concerning information being published on my credit report. Unfortunately they have yet to correct my credit report and as a result my financial life is being dramatically affected.

In accordance with the Fair Credit reporting Agency Act U.S.C. 1681 & Fair Debt Practices Act 15 U.S.C. 1692 XXXX XXXX XXXX XXXX has violated my my rights. 

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

15 U.S.C. 1692 Section 805A states : A debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place, or a time, or place known or which should be known to be inconvenient to the consumer.

15 U.S.C. 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with the intent to annoy, abuse, or harass any person at the called number.

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 2022-03-30 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: NY

Complaint narrative:
I am writing today because I am shock how poor attention and lack of investigation XXXX, XXXX, and Equifax has provided to my credit report. After reviewing my credit and the FCRA, I must bring to your attention the account below errors : XXXX The first error date open XXXX is reporting XX/XX/XXXX while XXXX and Equifax is reporting XX/XX/XXXX. 

The second error close date XXXX is reporting XX/XX/XXXX while XXXX and Equifax does not have a closing date. 

The third error account status XXXX and XXXX is reporting closed while Equifax is reporting open. 

The fourth error payment status XXXX and Equifax is reporting current while XXXX is reporting late 150 days The fifth error last payment Transuinon and XXXX is reporting XX/XX/XXXX and Equifax does not have a date. 

The last error credit limit XXXX and XXXX is reporting {$2100.00} and Equifax is reporting {$0.00}. 

I have sent numerous letters to these XXXX credit bureaus and they have failed to show proof that this account was properly verified. This is also a violation of code 15 U.S.C 1681G.

Company response to consumer: Closed with explanation