vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation
State: VA

Complaint narrative:
I contacted customer service to inquire about why my account is showing XXXX credit available despite making payments to bring it current. During my conversation with a woman named XXXX, she informed me that my account was closed on XX/XX/2023, due to missed payments. However, I never received any notification about my account being closed, even though I missed only one payment for XXXX. I made payments on XX/XX/XXXX and XX/XX/XXXX, but my available credit still shows XXXX. 

In my conversation with XXXX via chat, he mentioned that a notice regarding the account closure was sent to me by mail. However, I did not receive any letter, and I have also opted for paperless notifications. On the other hand, XXXX stated that no letter was sent, and it would take 7-10 business days for me to receive one. Instead, they were sending me text reminders for making payments, which is not the same as informing me about the account closure. 

I made payments on XX/XX/XXXX and XXXX, respectively. XXXX mentioned that these payments were applied to the XXXX billing cycle, but nothing was applied to the outstanding balances for XXXX and XXXX. Currently, my account shows an no payments due at this time, and the total of my recent payments. 

But theyve closed my account for non payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-22 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Recently spoke with a rep for debt that was in collections. I was able to settle debt. 
My credit still does balance unpaid. 

XXXX XXXX amount : {$200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22 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: NY

Complaint narrative:
I am a victim of identity theft I have no knowledge of a XXXX account that is being reported on my credit and I would like for it to be remove. I uploaded a copy of my identity theft 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 2023-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XXXX I submitted an application for an apartment. XXXX was the company used to obtain the report. The report listed my credit score as a XXXX from Experian. I used Experian credit monitoring services, my score is listed as a XXXX. Additionally the report listed no rental history. I reached out to Experian first, they explained that the criteria for the loan, lease, rental is different and that would impact the score. If my score is based on credit then those two numbers should be fairly the same not a XXXX point difference. I contacted XXXX regarding the rental history, and the stated they requested the data from Experian Rent bureau and does not compile any of the data. The Bureau stated that property managers are not required to report data to them if there's data they will report it. I believe an injustice is being done here if places I rented with aren't reporting my rental history is okay for Experian rent bureau to negatively impact my rental score. I can not control what owner and property managers do, but I'm been held accountable for it and its affecting my ability to obtain a new lease. Please advise.

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 2023-05-22 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-05-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: EQUITY LOANS LLC
State: GA

Complaint narrative:
Equity Prime mortgage, materially misrepresented themselves as a lender and that they " loaned '' me money, which they did not as my research determined, they actually took the promissory note which secured the funds for my home purchase and sold it to investors after they first mad me believe the had made a loan to me- this is called securitization and is illegal, once i realized this i rescinded the contract and revoked their power of attorney, as i am aware my loan was already paid from my own credit,, they further evaded any attempt to provide documentation because in fact they can not, only a contract which is null and void due to TILA violations and non disclosures, they further tried to get me to recontract with them by sending statements under the guise of " Bills '' in order to mislead me into paying them twice, when in fact these presentments or statements are actually interest on the funds held in escrow due to me,, this is a violation of the RICO act, as i declined to re-contract with them, as i am clearly aware of my standing and the violations they committed and perpetrated against me. All 1099 filings have been completed, I even sent them a promissory note to discharge the alleged debt in full debt in full and the declined it /chose not to accept it under terms of the BIll of exchange act and the postal rule my debt is disharged, they further attempted to mislead me by responding to my inquiries and requests for information by sending their responses to an old address i lived at 9 months ago, they violated a cease and desist order and revocation of power of attorney and proceeded to damage my credit which is a violation of the Gramm -leach - blilley act which protects consumers from creditors reporting payment history and utilization... I DONT NOT OWE EQUITY PRIME MORTGAGE ANY MONEY, I never did, in accordance with HJR 192 all debts are prepaid, the debts of the people belong to the government, banks can not loan money, as no real money exists .. furthermore my property is held in a trust, Liened to the sum of {>= $1,000,000} per UCC filings

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 2023-05-22 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: PA

Complaint narrative:
i have tried reaching Experian XXXX XXXX to alert them that i have not made any of these accounts they ignore my request and they are putting me in a bad position due to having a XXXX im trying to get a new loan on my house and get it equipped for my condition. I went to apply for a loan and they are reporting false inquiries and accounts that are not mines This is costing me time and stress because they are failing to remove the things that aren't mines. I only have a house loan i didn't open or apply for anything on my credit report. I requested that a freeze be put on my credit report and i get a phone call when applying for lines of credit. I These 3 companies have used a automated service and ignore my request. im going to forward this to the white house if this matter is not took care of.

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 2023-05-22 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: TN

Complaint narrative:
I have disputed inaccurate information on my credit report numerous times with XXXXThis goes all the way back to XX/XX/XXXX. XXXX XXXX XXXX XXXX. ( 2 ) XXXX accounts. XXXX XXXX XXXX and XXXX XXXXXXXX XXXX  are all still on my credit report and are reporting inaccurate information. They sent me a letter stating the accounts have been verified and updated. But how? If the information is not matching up. I would like to know how was the information verified and if it was indeed verified. These accounts need to be removed and deleted from my consumer report immediately due to XXXX have violated my rights. A consumer report has to be 100 % accurate across the board. Meaning with a 3 credit bureau

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-22 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: MO

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I find out that portfolio recovery associates file a law sued against me the reason I find it out is because I received an advertisement letter from 2 lawyers to hired them. 
Fue to I been sued. I never received any mail from this portfolio recovery associates informing me about this debt. I dont euknow what debt they are talking. This company usually file law sued for old debt that are very old. I need them to provide me with the information because I dont know what are they are sued me for .Im a XXXX XXXX old person with health condition XXXX receiving SSXXXXI.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: PA

Complaint narrative:
i have tried reaching XXXX Transunion XXXX to alert them that i have not made any of these accounts they ignore my request and they are putting me in a bad position due to having a XXXX im trying to get a new loan on my house and get it equipped for my condition. I went to apply for a loan and they are reporting false inquiries and accounts that are not mines This is costing me time and stress because they are failing to remove the things that aren't mines. I only have a house loan i didn't open or apply for anything on my credit report. I requested that a freeze be put on my credit report and i get a phone call when applying for lines of credit. I These 3 companies have used a automated service and ignore my request. im going to forward this to the white house if this matter is not took care of.

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 2023-05-22 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: PA

Complaint narrative:
i have tried reaching XXXX XXXX Equifax to alert them that i have not made any of these accounts they ignore my request and they are putting me in a bad position due to having a XXXX im trying to get a new loan on my house and get it equipped for my condition. I went to apply for a loan and they are reporting false inquiries and accounts that are not mines This is costing me time and stress because they are failing to remove the things that aren't mines. I only have a house loan i didn't open or apply for anything on my credit report. I requested that a freeze be put on my credit report and i get a phone call when applying for lines of credit. I These 3 companies have used a automated service and ignore my request. im going to forward this to the white house if this matter is not took care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: MI

Complaint narrative:
I am a victim of the Equifax data breach. I went upon the website and I typed in my information and it showed that I was impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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:
Recently, I did an investigation on my credit report which caused severe XXXX  upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: MO

Complaint narrative:
Fraudulent credit inquiries through experian and XXXX. 

XXXXXXXX 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 2023-05-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Kitch Acceptance Corp.
State: IN

Complaint narrative:
We were told we could lower our payments so we could get our XXXX  truck fixed yet again, from the loan we had to take out on it already for timing chain which broke again, or we could get our payments caught up which is XXXX and they would give us a new loan. They lied on both. This is the second engine that blew that we have nothing to show for it. We still have to pay on this although the engine is now done for and the loan we got to fix it. We got this XXXX  because we were told we could only go ti XXXX XXXX and this was the only car we were approved for. I'm pretty sure kitch and XXXX XXXX work together to rip ppl off since XXXX XXXX told me to get another loan to fix timing chain after out was fixed less than year and half ago. We want what we owe dropped and out of this deal. We've been screwed out of XXXX and still have no car to drive.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
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. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, 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 an 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22 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: NY

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. 

XXXX XXXX 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 an 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 2023-05-22 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:
Please remove the account as this is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA
State: VA

Complaint narrative:
I received two bills for Property Taxes assessed by XXXX XXXX, Virginia in XX/XX/2023. Both bills were for 2023 - Periods XX/XX/2023 - XX/XX/2023 ( {$330.00} ) and XX/XX/2023 - XX/XX/2023 ( {$310.00} ). The car that the Property Tax was charged was turned in to XXXX Kia in XXXX, Virginia as part of a trade for a new lease at the end of XX/XX/2023. After speaking with a representative from XXXX XXXX ( XX/XX/2023 ), XXXX XXXX already had verification that the vehicle had been turned over to XXXX Kia and was no longer in my possession and the adjusted amount due for the time period in which I had the vehicle was {$41.00}. A payment for this amount ( {$41.00} ) was submitted on XX/XX/2023. I have contacted Kia Finance multiple times via phone ( XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023 ) in addition to sending written requests via fax ( XX/XX/2023, XX/XX/2023, and XX/XX/2023 ) and email ( XX/XX/2023 ). I also visited in XXXX Kia in person to request assistance with resolving this matter on XX/XX/2023. Kia Finance continues to claim that I am responsible for the Property Taxes.

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