vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-27 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX  XXXX XXXXBalance $ XXXXDate Opened : XX/XX/XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXBalance {$170.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXXBalance {$100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXBalance {$100.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXBalance {$210.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXBalance {$1400.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance {$760.00} XXXXBalance {$1200.00}

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 explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: FC HoldCo LLC
State: MO

Complaint narrative:
Flagship Credit Acceptance has now put themselves below the bar in expectations and how they handle matters.

Even though I have filed numerous complaints against them, the continue to violate FDCPA practices. In addition, even though my husband isn't on the loan paperwork or vehicle registration paperwork, they are demanding that he makes payment on the account.

In addition, they have failed to mail via USPS any Notice to Cure letters on the account, which is required in my state.

They have illegally put the my vehicle out for repossession, without following Missouri laws. 

In addition as another scare tactic, they have stated on two occasions that they have filed for XXXX on the vehicle even though they haven't. 

Flagship Credit Acceptance LLC has failed to follow proper protocol when handling this account. 

In addition Flagship Credit Acceptance has called my husbands phone number for four other people with accounts from Flagship and left nasty messages, such as the messages they've left me on my account.

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 2021-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG HOLDINGS INC
State: TX

Complaint narrative:
Contacted me and said I owed money, I have never used the company why not lease. Also i asked for validity and they just sent me a letter they made no contract or anything. I told them it wasn't mine. They refuse to do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: LA

Complaint narrative:
I've been trying to get help i sent all the document need and they has not remove the wrong information they keep tell the updated the info but thats not helping me

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 2021-09-27 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: IL

Complaint narrative:
Ive been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. This is causing emotional distress and a violation of my rights via the FAIR CREDIT REPORTING ACT. I am taking legal action to resolve this deletion of the unverifiable negative items from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA

Complaint narrative:
After the pandemic, I called the mortgage company for a forbearance program in XX/XX/XXXX. 
Now I wanted to come out of this forbearance program and called the mortgage company last week on XX/XX/XXXX ; the mortgage company mailed the letter on XX/XX/XXXX, and its reach on XX/XX/XXXX to approved a deferral agreement of outstanding payment. To accept this, I need to pay {$1600.00} before XX/XX/XXXX. I called the mortgage company today and talked to XXXX and her ID XXXX and asked for the payment date to extend to XX/XX/XXXX. Because my payday is XXXX, XXXX told me they couldn't extend the date and would lose the house. XXXX is the supervisor for SPS ( Select Portfolio Service. their phone number is XXXX. They are threatening to foreclose the house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: SC

Complaint narrative:
I have just received a collection of {$700.00} on my credit report from National Credit Adjuster. I am and was not aware of this debt at all and nor was I given any notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the PORTFOLIO RECOV ASSOC ( Original creditor : XXXX XXXX XXXX XXXX XXXX. ) still reporting on my credit report in violation of Federal Law. The XXXX and XXXX Credit Bureaus are failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please re-investigate most especially the status information on this account. Otherwise, delete this collection account PRONTO.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was looking to move to XXXX XXXX for my graduate program and found an ad on XXXX  that seemed legit. I submitted an email application and was told the remaining documents would be mailed. This started Sunday, XXXX XXXX when I received a response back. On Monday, XX/XX/2021 I was called and asked if I was ready to accept this housing opportunity. I had mentioned I was waiting on other responses from other locations and pressured me to give a response. I was asked to send money through XXXX to email XXXX who has a bank account with Chase because it went through. I did not realize it was a scam until this weekend and when I was demanding a refund Friday, XX/XX/2021, The XXXX person was becoming hesitant and trying to make me pity him because his attorney had found someone else who would pay a larger sum of rent in advance. I was calling him out and unfortunately, I had already lost a large sum of money equaling to {$2900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
Ive been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. This is causing emotional distress and a violation of my rights via the FAIR CREDIT REPORTING ACT. I am taking legal action to resolve this deletion of the unverifiable negative items from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: MI

Complaint narrative:
Hi, I am writing this complaint because I reviewed my credit report recently with my banker and it looks like i have a few accounts that either the balances are incorrect or i have no idea what they are. I requested an investigation from the credit bureaus ( transunion, XXXX and XXXX  ) I haven't heard anything. 

I sent a letter to all 3 bureaus on the following dates : XX/XX/2021 XX/XX/2021 XX/XX/2021

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 2021-09-27 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Hi, I am writing this complaint because I reviewed my credit report recently with my banker and it looks like i have a few accounts that either the balances are incorrect or i have no idea what they are. I requested an investigation from the credit bureaus ( XXXX, equifax and XXXX  ) I haven't heard anything. 

I sent a letter to all 3 bureaus on the following dates : XX/XX/2021 XX/XX/2021 XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Strategic Alliances, Inc.
State: GA

Complaint narrative:
The amount that they are trying to collect was not mine to pay they were suppose to charge my insurance and charged me when they had my insurance information. I called they have removed it but they are trying to make it stay for 90 days and that is not right because I do not owe them this money, my insurance had paid the money. They were never suppose to bill me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: ROBINHOOD MARKETS INC.
State: NJ

Complaint narrative:
I received an email telling me I had opened an account with Robinhood - which I had never done. Robinhood has no number you can call to report this. I emailed the company and they asked me to send additional personal information ( last four digits of social security number and a picture of both sides of my drivers license ). I refused because I may have already been victimized by fraud. The company was not helpful at all and repeatedly asked for this information. I have no idea if they looked into the account that was opened with my email address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: AL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: GA

Complaint narrative:
XXXX and Transunion are in violation of my consumer rights by reporting fraudulent inquiries/address on my credit report. Below are the fraudulent inquiries and address that are being finished on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXXInquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I called and texted serveral time trying to get Apple and Goldman Sachs to update my credit limits they havent reported since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them from all XXXX credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft CCB/CHLDPLCE Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: CA

Complaint narrative:
There is a collection account with XXXX XXXX XXXX account # XXXX on my credit report that is invalid and I have filed a complaint against the debt collector for continuing to report an invalid account to my credit reports. XXXX has removed the collection, however Experian and XXXX still show the accounts without regards to the accuracy. The debt collector has had 15 days to investigate my dispute, and they have asked for an additional 60 days to look into the dispute. Therefore, I demand that Experian and XXXX remove this collection account 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 explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Strategic Automotive Servicing, LLC
State: TX

Complaint narrative:
I paid off my vehicle through Strategic Automotive Services in XXXX of XXXX and my account still showed open over 6+months after paying off the vehicle. I called them multiple times to get the account closed. Instead of closing the account they completely took it off my credit and blamed XXXX, and said they had taken it off my credit, not them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: NJ

Complaint narrative:
I have tried to resolve a disputed collection agent account on my EXPERIAN credit report. 
I call EXPERIAN multiples timesso they can explain me the dispute result and to provide me with proper valid documentations as signed contracts or agreements with this collection company. ( result of my dispute show that it's resolve and that the collection agency will stay on my report ). Experian told me they can NOT provide me WITH any documentations, but that this collection agency has well confirm that this account is verifiable and truthful. I told the agent under the name XXXX that I call and send mail to this collection company and they told me they could not verify my Person and they don't have any document to proof that I have a business with them.. 

When XXXX of EXPERIAN hear this he just hang me up and he ( experian ) didn't call me back... 

ITS CLEARLY THAT EXPERIAN IN THIS CASE JUST ARE IN VIOLATION OF THE REGULATION OF LAWS OF THE FAIR CREDIT REPORTED ACT.

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 2021-09-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Happy Money, Inc.
State: MD

Complaint narrative:
I took out a loan from payoff.com In XX/XX/XXXX I have since made 26 monthly payments up until XX/XX/XXXX when I was laid off due to Covid. I was unable to return to my job due to the nature of my employment it is a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I reached out to pay off an attempt to square my account to make sure they werent any delinquencies even in the face of my financial turmoil due to the worldwide pandemic. They did offer to delay payments without any affect on my credit, as mandated by the government however, they have since tacked on Absorbent interest charges, And refused to provide any concession in the loan terms with consideration to worldwide pandemic. Since the inception of my loan I have made a total of {$14000.00} In payments on a {$25000.00} loan to date, i currently owe {$20000.00} and no one at the company wants to help me. Their employees are rude and give you the runaround and deflect offering information as if this were a normal circumstance and not a global pandemic. I would like to formally submit a complaint About this company because I feel as though this is predatory lending

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: LEXISNEXIS
State: IL

Complaint narrative:
Ive been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. This is causing emotional distress and a violation of my rights via the FAIR CREDIT REPORTING ACT. I am taking legal action to resolve this deletion of the unverifiable negative items from my consumer report.

Company response to consumer: Closed with explanation