vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-05 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting XXXX XXXX XXXX Act # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX Act # XXXX, XXXX REF : XXXX : XXXX have 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 18 U.S. Code 1028A - Aggravated identity theft ( 1 ) In general. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. " ( 3 ) the term `means of identification ' means any name or number that may be used, alone or in conjunction with any other information, to identify a specific individual.

FCRA 623 ( a ) ( 7 ) Negative Information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: SC

Complaint narrative:
I had a loan with XXXX who was charging me over 100 % interest they sold the debt to another debt collection agency and now that collection agency has sold the debt yet again and is just now furnishing it to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
On two occasions ( XX/XX/2023 and XX/XX/2023 ) I have applied for credit with XXXX XXXX XXXX XXXX, and despite having excellent credit, both have been denied claiming that they have NOT been able to obtain my Credit report with Equifax. I also applied for credit with XXXX XXXX ( XX/XX/2023 ) and was also denied claiming they couldn't get my credit report with Equifax either. This serious error or discriminatory act on the part of Equifax has caused me great suffering because I needed to purchase construction materials for the renovation of my residence. My credit score at the time of application was over 800 points. 

XXXX XXXX XXXX XXXX ( XXXX ) was again very irresponsible in pointing out again that I had several derogatory events on my credit history. The real reason should have been that they couldn't access my credit report, but to get out of trouble for the second time, they tell me as the reason that I have several derogatory events on my report, which is TOTALLY FALSE. My credit score is over 800, my credit history is excellent, and I have NEVER had any derogatory events on my credit record.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
MACYS/ CITIBANK is a charge card that is currently a closed/ charged off account but it is still reporting credit utilization against my credit. The credit limit was {$600.00} but they are reporting {$880.00}. 
My understanding is that if its a charged off account and its an uncollectible debt then why or how is it still reporting as if I am still using this card. 
I was also told by the debt collection agency MACYS/ CITIBANK that the debt has passed statue of limitation. So, Ive been wondering why cant they remove this from my credit?

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 2023-04-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
Over charged me for a loan on a used car. Didn't disclosed all the fees either. Car broke down and was repossessed. On top of reporting inaccuarte numbers on my credit.

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 2023-04-05 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX REF : XXXX : XXXX have 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 18 U.S. Code 1028A - Aggravated identity theft ( 1 ) In general. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. " ( 3 ) the term `means of identification ' means any name or number that may be used, alone or in conjunction with any other information, to identify a specific individual.

FCRA 623 ( a ) ( 7 ) Negative Information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Truist said they credit an {$85.00} XXXX XXXX credit on their website but however it's been about 3 months and the credits hasn't been issued on my enjoy travel credit card.

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 2023-04-05 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Servicing Solutions, LLC
State: FL

Complaint narrative:
We are sick and tired of getting phone calls when we have scheduled our car payments online within the grace period and we have never been 30days late, NEVER. We are new to Servicing Solutions and the car collections representatives fail to check the system before they harass you into making a car payment. I have asked for XXXX after XXXX after XXXX to stop the phone calls, when there is a payment already scheduled for our car loans and yet the phone calls continue. My car payment was scheduled on XX/XX/2023 for the draft date of XX/XX/2023, I received telephone collection calls on XX/XX/2023, XX/XX/2023 and XX/XX/2023... THIS IS HARASSMENT SIMPLY BECAUSE Servicing Solutions representatives fail to read or review the appropriate system screen, IF THEY CALL ME AGAIN I AM GOING TO SEEK LEGAL ACTION... 

********* just got another phone call again XX/XX/2023 at XXXX another collection call. This rep stated she failed to read the system.. THIS IS RIDICULOUS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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: NY

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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
my wallet was lost and it looks like my card was used many times in XXXX XXXX, i informed chase bank, and the dispute was put through and later on the dispute was canceled. other cards of mine were also used and chase asked for me to send them the statements form other banks as well which i did, my other credit cards disputes were cleared but chase did not clear theirs

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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: GA

Complaint narrative:
1. Certified letter sent to Transunion on XX/XX/2023, regarding investigation of a 30-day late payment regarding : Account Name : XXXX Account Number : XXXX. 
2. Received results from Transunion that 30-days late was verified, but no proof of the verification/procedure process provided as requested in the dispute letter mailed to Transunion. 
3. Two other credit bureaus ( XXXX XXXX XXXX ) reporting the above account as PAID AS AGREED. 
4. Called Transunion Disputes to obtain proof of verification of the 30-day late and did not receive.

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 2023-04-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did a online application for a line of credit with XXXX XXXX I did not receive any confirmation of my application I called XXXX XXXX I called the company and they could not find my application in thier system even after taking my SS # and date of birth. 
I then get an email that I was turned down for a loan that was never processed in the system and they did some kind of verification through Clarity Services in Florida they refused to give me a credit report. The information on the email just said " Hi '' and that I was turned down due to bad credit income not in good standing and many collections. Since this Clarity Services was suppose to be a Experian subsidiary when I checked my report with Experian which I do often due to a " paid '' account I have with them none of this negative information is true and the they had not check my information the company XXXX  still could not find me in their system and the report was very inaccurate. After looking up XXXX they have a " F '' on XXXX  and a rating of 1. on XXXX XXXX  I want this company to not only send me a report but also explain how you gon na send me a email on a non existent application. I do not need my credit damaged by a false 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 2023-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: NY

Complaint narrative:
My Federal student loans, serviced by Mohela/Department of Ed have been paid off for months. My bank, XXXX, and the XXXX, show the student loan account as still open with a ~ {$520000.00} balance owed. This error substantially impacts my credit score. Banks sharply limit a potential home loan because this student loan appears open on my credit report. The fact that it takes months and months for this to be corrected is completely unacceptable and the error itself is costing me money. Credit reporting agencies should not be able to hold one 's credit report hostage like this. To boot, XXXX is difficult to get ahold.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SG and Associates
State: NJ

Complaint narrative:
I have attempted several times to validate this debt, and that this company contacted me owns the Debt and they have failed to provide me proof of validation. They are not providing enough information and also using abusive language to scare me into paying them without them providing proper documents that they on the Debt in full. 
Pursuant to 15 USC 1692g as requested by the consumer the company must provide validation of debt

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 2023-04-05 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: CITIBANK, N.A.
State: MD

Complaint narrative:
On XX/XX/2023, I received an XXXX Alert that CITI Cards CBNA made a bank/credit card inquiry by checking my XXXX  credit file. I did not apply for credit. I contacted XXXX and requested a fraud alert be placed on my credit report. Potential lenders are to verify my identity before granting new or additional credit. I also contacted CITI cards and they confirmed that I do not have an account with them.

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 2023-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My Federal student loans, serviced by XXXX XXXX XXXX have been paid off for months. My bank, XXXX, and the Experian, show the student loan account as still open with a ~ {$520000.00} balance owed. This error substantially impacts my credit score. Banks sharply limit a potential home loan because this student loan appears open on my credit report. The fact that it takes months and months for this to be corrected is completely unacceptable and the error itself is costing me money. Credit reporting agencies should not be able to hold one 's credit report hostage like this. To boot, Experian is difficult to get ahold.

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 2023-04-05 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: WA

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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: TX

Complaint narrative:
My name is XXXX XXXX. In the month of XX/XX/2023 I noticed information on my credit report that does not belong to me. The accounts and and Inquiries included in this report if Fraud. They are not mine.

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 2023-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions
State: PR

Complaint narrative:
I'm getting these accounts on my credit at XXXX. 
I am very upset, because I have written directly to the companies ( XX/XX/2023 ) and sent them the police complaint in XXXX XXXX. These accounts were opened fraudulently and they say they are mine. When they are open with information from the United States that I have never lived. 
I have also written and called XXXX and nothing either. 
Who regulates consumer rights, I don't know, it's just that there is no one to protect me. 
XXXX XXXX XXXX XXXX Account Number XXXX .... 
XXXX XXXX XXXX XXXX Account Number XXXX XXXX  Account Number XXXX ATTACHED COMPLAINT POLICE IN XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
I purchase a XXXX XXXX XXXX from XXXX XXXX XXXX located in XXXX XXXX XXXX back in XXXX of XXXX upon having the vehicle is started to give major issues a/c went out it needed a tune up the biggest issue was the fuel pump went bad the car stalled on me XXXX XXXX had the vehicle towed from the broke down location back to my house and called the dealer and told them what happen the vehicle now is not drivable at all the dealership has sent a ridiculous amount claiming i owe them to collections and i do not i have the letter here from the first federal credit control threating for me to make a payment or the vehicle will be seized i do not owe this amount they are claiming i owe i have receipt proof of last payment and last contact person i would like my money back for the lemon they sold me and to be taken of the XXXX loan

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GLOBAL CREDIT UNION
State: AK

Complaint narrative:
This complaint is regarding Global Credit Union. I had an Auto loan with XXXX XXXX XXXX XXXX XXXX XXXX. I sold this XXXX XX/XX/2023, to a customer of Global Credit Union. The customer took a loan with Global Credit Union, and there were XXXX checks cut that day. XXXX to me, for the amount above the balance on my loan with XXXX XXXX, and another to XXXX XXXX for the amount still owed on the vehicle. Global Credit Union employees XXXX XXXX and XXXX at the XXXX XXXX, declined to give me the check, and mailed it off directly. This is where they made the error, of not putting a tracking number on a check worth more than {$12000.00}. This check was lost, and Global Credit Union has botched this entire transaction, the communications regarding it, and every policy related to it. I still have not received, nor has my bank received the $ XXXX payment for the vehicle that has been sold and now owned by XXXX XXXX XXXX the customer of Global Credit Union . I have spent over 24 hours trying to resolve this, sacrificed an entire day of sleep ( I am nocturnal, in the XXXX  ), and have gotten nowhere. Both financial institutions have been charging interest and receiving payments on the same vehicle for over a month. This must be a crime. I am exhausted from telling this story over XXXX times and writing it out several times. I have attached my two emails to Global Credit Union in a XXXX XXXX. 

They still have my {$12000.00} and won't release it to myself or my institution. They are legally obligated to do so. Global Credit Union and their representatives XXXX XXXX, XXXX XXXX and XXXX- all at the XXXX XXXX of Global Credit Union should all not be allowed to conduct business in the financial sphere ever again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Please 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 non-monetary relief
Consumer complaint received 2023-04-05 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: FL

Complaint narrative:
PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 B 2 COMPANY HAS ALSO NO PERMISSION TO REPORT ANYTHING USING MY INFO PURSUANT TO 15 USC 1681 4.

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 2023-04-05 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: FL

Complaint narrative:
PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 B 2 COMPANY HAS ALSO NO PERMISSION TO REPORT ANYTHING USING MY INFO PURSUANT TO 15 USC 1681 4.

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