vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.

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 2024-07-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Upstart Holdings, Inc.
State: IL

Complaint narrative:
I was leery about getting this loan from the start. I tried to get them to cancel my loan request they said they could not do it. The loan was originally from XXXX XXXX and that is who I sent the Cashiers check to. So on XX/XX/year> I send them a cashier check for {$9000.00}, It took them more than XXXX days to confirm that they had received the check, and it was cashed. I paid off the loan in XXXX months, This loan was for XXXX years at XXXX  % interest rate. The amount of the loan was for XXXX less an origination fee of {$1200.00} net amount {$9000.00}. The numbers are not adding up, that Upstart has.I paid them {$9000.00} plus XXXX payments of {$290.00} which is {$2000.00} for a total of {$11000.00}. I did not have the loan for the XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Carvana Group, LLC
State: FL

Complaint narrative:
I purchased a truck from Carvana LLC online. After a few trips to the bank because they don't accept checks from companies, I had to get a personal check to pay in full - XX/XX/XXXX. They set up the delivery date of the car and cancelled 3 times, because there was a delay with the delivery - They charged almost {$2000.00} for this. XXXX weeks later, I got the car and the next day it got flooded through the roof/ back window after a day of rain. It was in such a bad state, that I returned the car on XX/XX/year> and they accepted it. They said within a few days they were going to send the money back. 
XXXX week later, I have not received any communication, they deleted the car info from the online account and after I reached out to them on XX/XX/XXXX, they said, there is no record of any transaction for this purchase. They said they will get back to me ( ops department ) and have not heard back from them. I don't have the car, I don't have the money, they are ignoring me. 
There is no loan, but I called CFPB and they asked me to use this option

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: CA

Complaint narrative:
Several fraudulent charged off accounts are being reported on my credit report with a past due balances. Fraudulent accounts can not be reported with past due balances. I have reported these fraudulent items to the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Clearing House of America, Inc.
State: MI

Complaint narrative:
Complaint XXXX was closed erroneously. I spoke to XXXX  and they alleged that the reason they responded to you that they were not the correct company, was because they allegedly never received my certified letter of debt validation and thus, must of course be the incorrect company. 
This is not a durable excuse, but it does further validate their deceptive and abusive handling of the matter. 
I've included documentation that removes any doubt they are indeed the company that slandered my credit for years, and this copy of my credit report should be able to survive any suggestion they're not the culprit. 
I expect them to explain why there was no due diligence applied to the matter before slandering my credit. The original creditor, XXXX XXXX and XXXXXXXX XXXX XXXXXXXX has also failed to produce any detailed accounting of where this debt came from and I was working with the CEO directly, XXXX XXXX. It is my suspicion that there's active collaboration between these two entities as a means to launder fraudulent medical bills. In fact, their actions check most required boxes for interstate racketeering. This is supported by the rapid pace XXXX abandoned me as a patient after fraudulently billing my self-funded insurance plan ( not subject to federal oversight ) and the immediate derogatory remarks XXXX added to my credit report. This is further validated by their failure to verify the debt with the reporting agencies, and the failure of either company to produce any billing records, XXXX, medical records supporting any services billed for, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Five Lakes Law Group PLLC
State: KS

Complaint narrative:
Five Lakes Law Group used deceptive business practices, promising to resolve my debts in a reasonable time limit. They charged me excessive advanced fees, misled me with their promises to settle debts with particular lenders, such as XXXX XXXX, and failed to inform me about my rights to funds that were left over in my escrow account. 

I enrolled in this program XX/XX/XXXX under the false pretext that it was better to go this route than apply for a consolidation loan to pay off my debt on my own. I specifically asked XXXX XXXX if I could terminate this service at any time and if I would be entitled to any excess funds in my escrow. He assured me that I could terminate anytime without any penalties. 

In the past year, I noticed that my deposit payments were increasing and that only XXXX lenders ( XXXX and XXXX XXXX ) had been contacted for settlement. I also noticed that an excessive amount of funds were going towards fees that had not been explained to me previous to signing the contract. 

I also noticed that settlement fees that were supposed to be paid to XXXX XXXX  had been returned and not re-issued. There were XXXX payments paid, XXXX {$760.00} and XXXX {$780.00}. Both of those payments Failed on XX/XX/XXXX and the funds were not re-issued. 

I made deposits of {$9900.00} and was charged {$8400.00}. I have yet to get an explanation regarding the {$1500.00} that should be refunded back to me, since they double charged me with their settlement fees and only attempted to settle XXXX debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: CA

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.

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 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 2024-07-02 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: CA

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.

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 explanation
Consumer complaint received 2024-07-02 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: NJ

Complaint narrative:
It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention and resolution of this matter are sincerely

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 2024-07-02 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: NJ

Complaint narrative:
It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention and resolution of this matter are sincerely

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 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
Several fraudulent charged off accounts are being reported on my credit report with a past due balances. Fraudulent accounts can not be reported with past due balances. I have reported these fraudulent items to the Federal Trade Commission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Kikoff Inc.
State: IL

Complaint narrative:
Kickoff credit service is selling fraudulent credit reporting as a service. You pay a monthly fee and they will report that you have a certain amount of credit available but is only usable in their digital store. They back date account age and report positive payment history that never occurred. In their digital store you can buy media that includes extending the account age, longer payment history and other fraudulent statements to modify your credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
This account was originated by XXXX XXXX XXXX wireless and was sold to 3rd party collection agency. Ive disputed thru all three credit bureaus and this was agreed that it was a fraud account and was removed from my credit report they then sold it to 3rd party collection agency and Ive dispute and theyve been remove XXXX  times now a credence resource mana account # XXXX is report it again and this time this would make the second time they have reported this account it was removed once before. I would like this account removed and blocked for good

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
on XX/XX/XXXX they updated credit record but still incorrect about XXXXXXXX XXXX 'deliquency dates ' information and incorrect " paid full less than balance '' information. ( 1 ) I paid total amount in full, in fact, over paid the amount, they even sent me a refund check for over payment. " less than balance '' must be deleted. ( 2 ) They calculated the record remaining date is until XXXX, XXXX is wrong and must be corrected. According to their own reported history record, this account was XXXX, XXXX, XXXX days late since XXXX, XXXX the record in file is XXXX  years from XX/XX/XXXX and ends in XXXX, XXXX, not XX/XX/XXXX. Most importantly, this account first missing payment dates started from XXXX, XXXX, XXXX, XXXX, XXXX ( XXXX XXXX  did not report correctly but left as ND ). My account was is deliquency status started from XXXX, XXXX ( see attached letter ) The credit card was suspended and I was in XXXX XXXX  deliquency program paying the installments to their collection depart started from XX/XX/XXXX. This is XXXX account and the first original missing payment ( delinquency ) date was XX/XX/XXXX. According to the law, XXXX years expired in XX/XX/XXXX and should be removed from my record.

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 2024-07-02 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: EQUIFAX, INC.
State: DE

Complaint narrative:
Could you please remove the inquiries reported in my report? I have already filed a dispute letter for them and am seeking a response indicating that you will address these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: MO

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.

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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 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: MO

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.

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 informationisinaccurate.

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 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I was a victim of XXXX XXXX that has resulted in debt bondage. 

Per FCRA 605C all negative items related to XXXX XXXX must be deleted from my consumer reports.

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 2024-07-02 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: TX

Complaint narrative:
I recently reviewed my report and noticed I had fraudulent accounts on my credit report. Please remove these accounts from my report. They are affecting my ability to obtain 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 2024-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
My credit card went missing a few weeks ago. Once I realized I got on my Wells Fargo app to pause the card and noticed it was used twice somewhere. I called Wells Fargo TWICE to settle this and they have denied both requests even though the transactions werent made by me. At first they reimbursed me and then took it back. Im not sure what else to do. I ended up canceling the card and getting a new one but theres over XXXX that was spent

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 2024-07-02 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: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/year> I signed up for a Financial Package for {$5000.00} On XXXX XXXX I tried calling the principle of the company with NO response. 
On XX/XX/XXXX I called Citi Bank Customer Service and asked to CANCEL and Reverse the charges. 
Citi temporarily reverse the charges, then recharge the Acct.a month later. 
For 13 months months I have been back and forth with CITI without any resolve. 
This has affected my CREDIT ; also CITI dropped my Credit Line from {$17000.00} to {$6100.00}.

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