vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
On XX/XX/XXXX I checked my credit on credit karma and noticed that this car loan ( Credit Acceptance Corporation ) was on my report and that i have no knowledge of this loan. I contacted the company and they have informed me that they are only gon na take this off if i dispute it thru the CFPB. I have reported this to the company and they are refusing to investigate or show proof of my signature to show me that i signed a car loan. 

This is a car loan that is dated XX/XX/XXXX and they are reporting that I owe them money for a truck that i never signed for.

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 2022-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX, XXXX, and XXXX Credit Bureaus are reporting inaccurate information on XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2022 I sent dispute letters to experian through The United States Postal Service XXXX mail. I expected to receive some type of communication from experience within 30 days. On XX/XX/2022 I checked the certified mail tracking number and found out and found out that the letters i sent to experience on XX/XX/2022 were delivered on XX/XX/XXXX XXXX 2022 at XXXX pm. So at this point it had been over 30 days since experience had received my dispute letters letters and I had not received any correspondence. Because I had not received any correspondence I proceeded to call experience on XX/XX/2022 to find out what was going on. When I spoke with an agent from experience I was told There was no disputes in the system for me. I explained to the agent that I had sent in dispute letters and they had been signed for and received on XX/XX/2022 at XXXX pm. The agent told me they had not received it and that I need to resend the letters and start the process from the beginning. That does not make any sense and does not follow the laws set in place to protect the consumer from aggregious things like this. I was told " they could not find anything from me but they have a signature on the certified letter from an employee of their company. I need help getting this issue right. When i asked to speak with a supervisor I was told they dont have time to talk to people about small things like this. Is this how business is supposed to be done by the major credit bureaus? I need your help now because this company is not following law and procedures that have been in place for years.

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 2022-04-26 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: Rocket Mortgage, LLC
State: MI

Complaint narrative:
a banker called me on XX/XX/2022 from Rocket mortgage for a saving review, he asked for my DOB.

and then he said he will verify my information and put me on hold .then he came back and said you have a good interest rate, so you are in a good position now. 
and then the next day I received an inquiry alert by Rocket mortgage. I called them and filed a dispute. 
on XX/XX/XXXX, they called me back denying my dispute, claiming that he got my authorization. I asked to listen to phone record but they refused .tried to explain to them that I didn't ask for a refinance or a loan, because I know there is no way anyone can offer me better interest rate nowadays because of the rates increase .Especially I am a banker who does loans and knows. 
today I called XXXX Dispute line and they said that the creditor will have to remove the pull up from my report and they cant do anything. 
called Rocket mortgage again with no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: FL

Complaint narrative:
This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. You keep on reporting me late on this following account under TRANSUNION. 


XXXX 90 days late in XX/XX/2017, XXXX 2017, XXXX 2017, and XXXX 2017. 

You have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, you must remove this negative information and update it to paid or paying as agreed! This is clearly a discrepancy that you are still reporting up until now! Make sure that you will update this as never late!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
I did credit application with XXXX XXXX in XXXX nj the credit person named XXXX called me and told me he got us approved for a loan and the bank wanted a XXXX deposit after making numerous phone calls to borrow the money from friends and family I text the sales person XXXX back and told him we were able to borrow the down payment and we would be in tomorrow with it be said ok great then XXXX calls me back about 10 min later and tells me that the bank Westlake financial wanted our other car also along with the trade in we were giving them and the XXXX someone is scamming people either XXXX or Westlake financial please investigate this matter I would not trade in both vehicles fir one my wife uses the other vehicle she ca n't drive the pickup  truck as it is too big for her

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 2022-04-26 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: PENNYMAC LOAN SERVICES, LLC.
State: NJ

Complaint narrative:
This company is fraudulently reporting a late payment on my credit report. This company offered me XXXX XXXX which I accepted for a period of 3 months. At the end of the forbearance period I voluntarily resumed making normal monthly payments and then shortly after paid back the 3 months due for the forbearance period. This company has ruined my credit and refuses to acknowledge their mistake. They claim that I needed to physically sign documents to get off the forbearance program even though they allowed me to enroll without physically signing anything and just enrolling online. I have supporting documentation from my bank indicating the constant monthly payments to this vendor. I need them to remove this false late payment claim off of my credit report. I contacted them several times to remove the false late payment and they refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: UT

Complaint narrative:
Great Lakes response to my inquiry is unacceptable. I did not receive any at

tachment when they submitted a response. I did not know that the US dept of Education had made a decision on my borrower defense application. Great Lakes did not also notify me that the US dept of Education has denied my application. I was part of the Sweet vs. Devos lawsuit and I am expecting a detailed explanation of any d
ecision made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Inaccurate and fraudulent accounts reported from my credit report. Contacted debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Therefore, you are reporting misleading false accounts. The following accounts were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX 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 2022-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
This is XXXX XXXX. This is a statement verifying my identity, along with my proper identification. In accordance with 15 USC 1681 ( h ) I would like to receive correspondence to the below address XXXX XXXX XXXX XXXX XXXX XXXX Washington , DC XXXX Any future correspondences from this day forward is coming from me. 

Equifax was sent a letter disputing information being reported on my consumer report from me and was received by the company on XXXX/XXXX/2022. 

File # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2022 I had {$4700.00} stolen out of my business checking account with Chase Bank through the XXXX app. I have deduced that a hacker got into my laptop and then into my bank account. Once in my chase bank app and into XXXX, the hacker created a new XXXX recipient- XXXX XXXX- and sent that recipient {$4700.00} via XXXX. Chase has investigated this case XXXX times, each time denying that this is fraud because the IP address is consistent with my usage and there is no evidence of multiple efforts to get my password correct. I have repeatedly denied authorizing this transfer of funds, yet Chase continues to refuse to refund me, claiming there is no evidence of fraud. Essentially Chases finding is calling me a liar and a criminal - if my report of theft is not true then arent I trying to commit fraud? I have been robbed via the XXXX app and Chase needs to refund me since I did not authorize this transfer of funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: GA

Complaint narrative:
I recently submitted a complaint in which the company has responded too by providing verification of the debt when I specifically asked for validation. I am giving this debt collection company one more chance to make this right. I receive multiple phone calls from this third party company multiple times throughout the day which is a violation of 15 U.S. Code 1692d. I asked this company to validate the debt multiple times via phone. As a third party company they are not able to produce any contractual legal obligation and/or evidence proving that I owe that company anything. They also offered a discounted amount which is a violation of 15 U.S code 1692d ( 4 )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: FL

Complaint narrative:
This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. You keep on reporting me late on this following account under XXXX, XXXX and TRANSUNION XXXX XXXX 30 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

You have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, you must remove this negative information and update it to paid or paying as agreed! This is clearly a discrepancy that you are still reporting up until now! Make sure that you will update this as never 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 2022-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. You keep on reporting me late on this following account under XXXX, EXPERIAN and XXXX XXXX XXXX 30 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

You have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, you must remove this negative information and update it to paid or paying as agreed! This is clearly a discrepancy that you are still reporting up until now! Make sure that you will update this as never late!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Purchase made from Ashley Furniture ; particular furniture was to be back ordered XXXX months. To date ( approx 1 year ) furniture has not been received and an amount of XXXX had been held on my account. Calling Synchrony Bank has not helped and they have told me it will take 90 days to dispute and that they have no history of this transaction.

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 2022-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This company is fraudulently reporting a late payment on my credit report. This company offered me COVID Forbearance which I accepted for a period of 3 months. At the end of the forbearance period I voluntarily resumed making normal monthly payments and then shortly after paid back the 3 months due for the forbearance period. This company has ruined my credit and refuses to acknowledge their mistake. They claim that I needed to physically sign documents to get off the forbearance program even though they allowed me to enroll without physically signing anything and just enrolling online. I have supporting documentation from my bank indicating the constant monthly payments to this vendor. I need them to remove this false late payment claim off of my credit report. I contacted them several times to remove the false late payment and they refuse.

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 2022-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I received a summons in the mail on XX/XX/XXXX on XX/XX/XXXX my employer notified me of a wage garnishment that would take place immediately.. which is the first communication I had with these people.. The original debt was over 13 years old, I dont know who these people are that have sent a wage garnishment to my job and now taking money from my check. I was not properly notified about this old debt and intent to garnish or even time to settle. So this was done improperly and unfair practice of a collector and debt that was old.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: FL

Complaint narrative:
This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. You keep on reporting me late on this following account under XXXX and TRANSUNION XXXX 30 days late in XXXX XXXX 60 days late in XX/XX/XXXX, XXXX XXXX, 90 days late in XX/XX/XXXX, XX/XX/XXXX as well as 120 days late in XX/XX/XXXX and 180 days late in XX/XX/XXXX. 

You have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, you must remove this negative information and update it to paid or paying as agreed! This is clearly a discrepancy that you are still reporting up until now! Make sure that you will update this as never 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 2022-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: SC

Complaint narrative:
I send {$2000.00} to my sister last XXXX XXXX using the Moneygram it was supposed to go to her bank account but the problem was her last name was incorrect but her bank account was right. After 2 days I called the money and amended the problem fixing her last name and they told me that it would take XXXX business days so I waited for 7 days and I called them back and they told me that the money was send to her bank account but when my sister went to bank they told her that the money was not deposited in her account so I called the Moneygram and asked them where is my money and they said it was refunded through my bank account so I called my bank and I told them what was going on with my money so we filed a resolution because money told me that my money was refunded XX/XX/2021 but no money was deposited in my bank account. My bank and I flied another resolution but I am getting the same answers my told me to resolved the issue with Moneygram but when I called the Moneygram they told me that I had to called my bank institutions because they deposited it backed to my account but when I asked them to give the transaction number they said they are not allowed to give it to me. Its been so stressful in my side that the money I asked for a refund until today they never give back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Last XX/XX/XXXX when the late payments showed up on my credit report I disputed them in an email and with the credit bureaus. 

I disputed them again when my mortgage statement showed my payments finally were posted after my loan modification was completed in XXXX. 

This XX/XX/XXXX, I submitted a copy of the CFPB letter stating that loans that we're not delinquent prior to forbearance should not be reported late. I sent that letter and my mortgage statement to the credit bureaus and sent XXXXXXXX XXXX XXXX an email too in XXXX. Unfortunately, nothing has helped. 

Then after reviewing my statements this month. I am trying to figure out where my three trial payments of {$2200.00}. Was credited to my main balance??

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