vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-19 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: MD

Complaint narrative:
The balance of my student loan went into collections. The full balance is owed, a payment plan was not ever established, authorized, or setup yet every month they state I have a missed payment. There should not be any " missed '' payment, but simply the full balance that is due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-06-19 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: NY

Complaint narrative:
I have identified that there are unauthorized inquiries on my credit report. The listed inquiries on the letter was without authorization, and for no legitimate business purposes. 
Please delete these inquiries from my credit report. For the company to do what fair and equitable to me as a consumer by deleting the items identifies as Identity theft 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 non-monetary relief
Consumer complaint received 2024-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
XX/XX/year> : Lawful debt request Affidavit 1st notice XX/XX/year> : Lawful debt request Affidavit XXXX notice XX/XX/year> : Lawful debt request Affidavit Default notice XX/XX/year> : sent information that i was filing suit in federal court ; also sent police report and Affidavit of truth Documents requested : Validation of Debt ( the actual accounting ) Verification of the claim against me ( signed invoice ) Copy of the contract binding both parties On all of the days that are listed i sent affidavits to Credit Acceptance to send me the information above they never sent anything what was asked. Credit acceptance has improperly been reporting late payments to credit report without giving me any of the above documents. I have filed a federal court case against Credit Acceptance which i filled out improperly and have to go back to federal court to redo the paperwork. In the coming time Credit Acceptance and XXXX XXXX will be under federal questioning for Anticipatory Repudication.I have also sent Credit Acceptance an Affidavit of truth and a police report. The late payments on the account need to be removed immediately as credit Acceptance has had more then 30 60 even 90 days to properly report my credit which they fail to do.15 USC ss 1681n Civil liability for willful non compliance is another federal code credit acceptance is disregarding. 
The agreement/contract they sent my name XXXX XXXX was the buyer and XXXX XXXX was the seller. I also agreed to pay Credit Acceptance on the condition they could supply me with all the documents judging by the time that has passed and they continue to send the same one document I'm led to believe Credit Acceptance can not supply me with the documents I'm requesting

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 2024-06-19 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: AZ

Complaint narrative:
I cancelled my " free '' subscription with XXXX in XX/XX/XXXX as I noticed XXXX started charging me {$39.00} a month. My subscription was suppose to be free unless I hooked up with someone online. I never connected with anyone -- they were either out of state or incompatible. I cancelled by email and I thought the cancellation went thru OK -- I didn't get any further charges for two months and could no longer log in. Then on XX/XX/XXXX I got a charge on my credit card of {$190.00} from XXXX. It seems they now fraudulently claimed I signed up for a {$790.00} premium dating service ( payable in four payments of {$190.00} ). This was not true and a complete fraud by XXXX. I called Discover to report the fraudulent charge and they initially removed it from my account. The folks at Discover were very rude and gave me a hard time cancelling the charge. Basically I had enough of this rudeness so I called back and told them to just cancel the card. I paid off my balance and thought that was the end of it. Then on XXXX XXXX I got a statement form Discover that they decided to reverse their decision and recharged me the {$190.00}. But to make matter worse they cashed out my XXXX rewards miles ( {$940.00} ) and sucked the fraudulent {$190.00} from my money. Discover did this violating several statutes of the Federal 1974 Fair Credit Billing Act with absolutely no notification to me. XXXX is crocked company with over XXXX complaints and multiple lawsuits and fines for defrauding customers. But Discover also broke the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 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: NY

Complaint narrative:
Please assist in deleting these items from my credit report XXXX  days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. 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 2024-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Card Receivables Fund Incorporated
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Case # : XXXX Response to XXXX XXXX File : XXXX I, XXXX XXXX XXXX XXXX for reasons beyond my control, in XXXX had to leave this country and the whole family went to XXXX for a few years because my husband at that time was given an XXXX  punishment for 10 years outside the country, due to this circumstance put us in a difficult economic situation that affected us and we lost 2 properties here in California ( XXXX and XXXX ) XXXX Also, caused non-compliance with payments on other debts that we obtained until that date. We started from scratch in XXXX and we could not stabilize ourselves economically there, we lived from day to day and were unable to meet or cover even the minimum in payments on our debts in the United States. 

I was not aware of this lawsuit because the correspondence was sent to the home of my sister, XXXX, and unfortunately, our family relations were broken for several years and no correspondence was ever delivered to me. Due to our economic situation in XXXX, I had to come to work in the United States for a few months to support financially my family. 

I am aware that I owed XXXX directly for around {$2800.00} in XXXX. I am opposed to accepting this lawsuit because they sold the debt to an agency ( Unifund CCR , LLC ) without my consent and after 17 years it has increased significantly, indiscriminate and exaggerated to a stratospheric amount of {$14000.00}. 

I, XXXX XXXX XXXX, am willing to pay this debt contracted to XXXX for the original amount of XXXX and making monthly payments of {$50.00} since I only depend on my salary and sometimes, I must resort to using my credit cards to cover my expenses as well as my daughters. 

I ask you to reconsider my case and reach an agreement since I am not financially able to face this type of debt. Please definitively remove the XXXX on my children 's house, located XXXX XXXX XXXX, XXXX XXXX, California XXXX, or any other property. 

If you have any clarifications or questions, do not hesitate to contact me at my cell phone ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
chase listed an account as charged off account more than 2 years ago. i have been asking for a 1099 c form, which is a cancelation of detb and they are refusing to send one. once the account is charged off, they have reported it as a loss, therefore a 1099 should be sent once it is requested. they are not doing that.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 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: FL

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my EQUIFAX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-19 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Larry H. Miller Group of Companies
State: IN

Complaint narrative:
The week of XX/XX/XXXX, I received a called from a XXXX with prestige financial about a years old debt. I asked her why she deemed it appropriate to call me at work and how did she get that information. They do not have permission to call my place of employment as I have not given them consent to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 00:00:00
Product: Credit reporting 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:
I have no affiliation with the listed creditors and did not initiate this inquiry. Please remove it from my credit report immediately.

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 2024-06-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: KEYSTONE EQUIPMENT FINANCE CORP.
State: GA

Complaint narrative:
I purchased a used truck in XX/XX/XXXX because my boyfriend at the time needed a co signer. A few months later when purchasing my home this vehicle loan was the one thing keeping me from getting my home. I asked if the loan could be transferred into my boyfriends name and I was told that he would need a co signer. Of course anyone would want to know how much is the loan for and when I began to ask for that information I was given the run around. I could only get XXXX XXXX to speak with me directly and he was someone who answered the phones. XXXX no longer works there. I was told he has since retired. 
I called them for entire month of XX/XX/XXXX and XX/XX/XXXX asking for this information and help. My realtor even got involved as it was very frustrating and we thought it XXXX be better to get someone else to help. In XX/XX/XXXX. I found someone who would agree to cosign with my now ex to get the truck in his name and Keystone said an additional $ XXXX would need to be put down. I kept asking for paperwork to show the amount we got the truck for, how much we paid down, and what the balance is and they ALWAYS gave me the run around, but never sent the information requested. I was told the information would be emailed to me, but I never got it. I spoke with a guy named XXXX XXXX about it and when I explained to him that in simple math what he was telling me did not add up right he told me " well that's the contract you signed. '' It was very disheartening and it is now XX/XX/XXXX and I have yet to receive the information requested. Someone told my realtor that I had a XXXX balance in my name and that is how I was able to move forward with my home, but now I see the truck is still in my name and that poses a problem for me. I have to get this truck out of my name, but I am not getting anywhere with this company.

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 2024-06-19 00:00:00
Product: Credit reporting 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:
PLEASE BLOCKED AND REMOVED. 
Please delete this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the documents supporting my claim.

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 2024-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please delete this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the documents supporting my claim.

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 2024-06-19 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-19 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: ENCORE CAPITAL GROUP INC.
State: HI

Complaint narrative:
On XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I keep getting calls from the MCM Credit company for my Daughter. I told them I don't know anything about where she is, etc. I asked them to STOP Calling! Blocked the phone number and they keep calling at XXXXXXXX XXXX. Phone number : XXXX. He would not let me tell him that I was not her, and not to call me anymore. He kept talking over me, and called me XXXX XXXX 
PLEASE make them stop!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX FCU Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : 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 2024-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-06-19 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: FL

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

XXXX / XXXXXXXX XXXX XXXXXXXX, XXXX, has violated my rights. 

I looked at my TRANSUNION credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please delete this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the documents supporting my claim.

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