vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-31 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX # XXXX D/O/B : XX/XX/XXXX XXXX : TRANSUNION XXXX : XXXX AND XXXX IN XXXX PA XXXX RE : XXXX XXXX MAKE JUSTIFIABLE CORRECTIONS OR REMOVALS OF UNVERIFIABLE OR INVALID ALLEGATIONS OF ACCOUNT INFORMATION SO TO MEET FEDERAL REPORTING STANDARDS OR COMPLETENESS OF THE CURRENT REPORTING STATUS.TIMELINESS, TRUTH, ACCURACY, AND COMPLIANCE ELSEWISE OF EVERY SINGLE ONE EACH OR ALL THE ASPECTS OF THE ALLEGED ACCOUNT INFORMATION DOCUMENTARY TO BE PROVEN MINE SO TO FURTHER ENHANCE YOUR ADEQUATE AND MANDATED COMPLIANCE TO PROPER AND FAIR REPORTING. 

NO ENTITY MAY INCLUDE IN A CONSUMER REPORT ANY ADVERSE INFORMATION DEFICIENT OF PHYSICALLY VERIFIED VALIDITY OF TRUTH, ACCURACY, COMPLETENESS, AND COMPLIANCE TO XXXX SO PROVE NOW OR DELETE CLAIMS. 
UNDER : FCRA. 15 U.S.C. 1681i every single one even each any and all of the unproven, not complaint, incomplete, untrue, incorrect or unverified aspects of any alleged derogatory accounts must be promptly annulled in its entirety or even the whole of the claimed account are to be deleted. TO BE FULLY XXXX XXXX COMPLIANT FROM MY CREDIT REPORT UNDER : FCRA 15 U.S.C.1681B I HAVE NO GIVEN VERBAL OR WRITTEN PERMISSION TO TRANSUNION TO FURNISH THIS INFORMATION HAVING VIOLATED THIS CODE OF THE LAW.ALSO ONLY APPEARS ON THE CREDIT FILE OF TRANSUNION XXXX XXXX AND XXXX DOESNT APPEAR AT ALL IN VIOLATION OF THE FCRA LAWS. 

COLLECTION CHARGEOFF BALANCE : {$240.00} ACCOUNT : XXXX DATE XXXX XXXX XXXX XXXX XXXX XXXXPROF OF RESIDENCE CC.SOCIAL SECURITY

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 2023-08-31 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: NV

Complaint narrative:
I have reached out to the following accounts below and talked to them about the issue with my accounts as reported by the EXPERIAN. They have advised me that they will remove the late status on my accounts however, as I reviewed my recent report, the late status are still reported. I am not sure how the EXPERIAN came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have included in this complaint FTC report with the report number XXXX for your reference.

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 2023-08-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: BMO BANK NATIONAL ASSOCIATION
State: IA

Complaint narrative:
I received certified mail XX/XX/XXXX from BMO/Harris bank about repossessed car that i had cosigned on loan. I have never received any calls, letters or any type of communication from Harris bank prior to certified letter, and after they repossed car. BMO reported to credit agencys and my credit score has been very negatively impacted by more than XXXX points. Again i received no notices, letter, or phone communication of any kind, no notice to cure, nothing period! they repossessed car.

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 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
In researching Capital One 's notifications of late payments, I have made numerous complaints regarding Cap One charging of late payments, thus producing late fees for customers to pay. I've sent a previous billing error letter to no avail. I am attaching another one with the qualifying information of proof of my being late. If they can not answer all of my questions, to prove I was indeed late including grace periods and all, then these payments they've recorded late must be revised to " OK status ''. I am a good paying customer and have a long good standing payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

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 2023-08-31 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: MO

Complaint narrative:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

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 2023-08-31 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
Improper use of my report .In accordance with the fair credit reporting act. This creditor ( CREDIT ACCEPTANCE ) has violated my rights under 15usc1681 sec602. States I have the right to privacy 15usc1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account with out my written consent .Under 15usc166b a creditor may not treat a payment on an open consumer credit plan as late for any purpose. 
I have spoke with several representatives at this company last representative we set up an agreement I have been following .I was told all late payments would be removed and they have not .Most of the late payments have came from the covid when it hit.

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 2023-08-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Public record information inaccurate
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Took out a auto loan with option to send in title or just leave it as a personal loan at a higher interest rate. I decided not to give the title and take higher interest rate. I defaulted on the loan and Wells Fargo reported it as a auto loan repossession on my credit report! I was unable to purchase a car because of this.

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 2023-08-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: GA

Complaint narrative:
To Whom may concern, I brought a car from USAUTO sales In XXXX XXXX Ga XX/XX/XXXX. When I purchased my car I also Purchased the Vehicle warranty which USAUTO SALES never brough. I put over {$5000.00} down on my car on top of other fee 's I was charged. I recently received a email from a company by the name of WEST LAKE PORTFOLIO located in California which that company is a debt collecting agency stating my car loan will start over meaning everything I've Paid just doesn't matter. I do not agree with that decision being I've paid over {$10000.00} to USAUTO SALES and now since they filed XXXX A paying customer has to suffer. In XX/XX/XXXX US AUTO SALES  filed for XXXX XXXX XXXX  protection on XX/XX/XXXX. This new debt collection agency located in California keep calling saying they will repo my car and ship it to Nevada to be sold in an car auction. I've never signed any contacts with WEST PORTFOLIO, and they are not on my current contract nor have I signed any new contacts agreeing with them. US AUTO SALES broke the contact sales agreement started on XX/XX/XXXX. I've called all 3 credit bureau and USAUTO SALES was removed and zeroed out. My balance is {$0.00} as of XXXX need this issued addressed. If someone can please get back to me on this issue asap. I can also provide proof and receipts showing everything. I also have my buyer contract with a detailed contact between me and USAUTOSALES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: FlexShopper, Inc
State: VA

Complaint narrative:
XXXX XXXX : XXXX # : XXXX I ordered truck tires from XXXX XXXX. They use Flex shopper as payment agent. When applying application ask how you are paid. I put monthly with hopes of paying monthly payments. Instead, as soon as tires were delivered, I was told the agreement is for weekly payments. I explained because account had been hacked, I was changing banks and as soon as I received the debit card and the new account was funded, I would make weekly payment. I was told after XXXX payments it would go to monthly payments. Then I kept being charged to the old account causing overdraft fees for old account and Flex shopper causing me fees on both accounts. Then I asked that old account be removed from account and my new account not be automatically drafted because this company is generating fees from old account, new account, and the Flex shopper account and never providing statement to alert for over drafts. The fees cost more than weekly rental of merchandise. Keep charging payments. I received the merchandise on XX/XX/2023, and as of XX/XX/XXXX, I have paid XXXX payments of {$45.00} overdraft fees of {$29.00} from old account 3 times and now one payment of {$82.00} and now another payment of {$45.00}. 
weekly. Plus, I have been blocked out of the account and can not see if any of the payments have been credited to account for tires. 
I am a service-connected XXXX veteran and all moneys come from department of XXXX XXXX XXXX XXXX and social security.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I implore you to take action and remove these fraudulent accounts from my credit report immediately. I did not authorize or initiate these accounts, and it is unfair for me to be held accountable for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
Previous lender ( XXXX loan # XXXX ) coincidentally sold my loan to Carrington mortgages which I've tried for 3 weeks relating I'm currently enrolled in a disaster relief program and are telling me I'm not in forbearance rather in foreclosure. This was not what was related to me from previous lender. I contacted XXXX who has assured to me the new lender must honor and continue the assistance provided keeping all the same terms and agreements that I currently have. I was made a mockery of, insulted, and told demeaning comments in an extremely unprofessional and hurtful manner by XXXX at Carrington. XXXX transferred me to her supervisor XXXX XXXX who also offered no help other than to fax any supporting documents to a research team that wont address the matter for 60 days. This all seems very methodical to cover themselves during RESPA duration telling me they can not service my account until after the period has passed. Once the time has passed I will be out of forbearance designed to help/assist me but in fact is creating additional hardships increasing more risks adding further penalties escalating the consequences that I may never recover from and possibly losing my house. This seems strategic and should not be allowed, I'd think it would be illegal if I'm to be honest. Assistance should be exactly what it means, both Carrington and XXXX are in cahoots avoiding any and all liability since they can not technically service my loan. These loopholes are creating further hardships for those in need and are being promised aid/assistance. I will circumstantially be at more risk if this is allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Newport Intermediate Inc.
State: MD

Complaint narrative:
I was sent a prepaid card for {$1.00}. This card has a monthly service charge of {$3.00}. It isn't clear to me how to close this account or where the service charge comes from since the card balance is only {$1.00}. I tried calling the phone number on the card but it was an automated system that was not helpful. No person was available. 

This card is some sort of refund from XXXX. I never requested the card or the refund. This has caused a lot of aggravation and I don't even care about the {$1.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Checked my credit report saw I was past due on a kohl account. Which I never opened. Called kohl customer service asked for what was due, past purchase, when the card was opened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
At that time, I had accumulated over 142 months of employment as a XXXX XXXXXXXX XXXX, and currently it is 154 months ( from XXXX ). During this process, Mohela only recognized two employers ( letter attached ). Mohela also reported to the three major credit unions that I could not be located ( image attached ). Due to the unemployment I experienced during Covid, I was still catching up with bills, and unfortunately, had forgotten to pay my XXXX XXXX XXXX. As a result my mail was being returned. It has since been paid, and the updated information was provided to Mohela. 

As a result Mohela only applied two of my eight employers, I was denied Public Loan Forgiveness as a whole. I am providing copies of all eight signed and certified PSLF forms, and am requesting that my PSLF application be processed. 

It is also my understanding that a one-time account adjustment, which will provide additional credit toward PSLF and IDR for periods of repayment, forbearance, and deferment that did not normally count toward loan forgiveness. 


Thank you in advance for your assistance in this matter. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have XXXX hard inquiry 's Damaging my credit score that were from over XXXX years ago, Please Remove ASAP XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/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 2023-08-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NY

Complaint narrative:
In XXXX I was told I could receive teacher loan forgiveness along with public service loan forgiveness. Upon being approved for the teacher loan forgiveness I was now told I can not also receive PSLF. I have XXXX payments to go to receiving my PSLF. I was wrongly told multiple times I was ok. So now I do not want the XXXX  so that I can qualify for the PSLF... 

Also I was told I was on the right repayment plan multiple times after calling to clarify. I asked for notes to be put into my account stating this and it was never done.. the opposite was done.. I am XXXX with my loans and payments.. never missed one, etc and now this.. Calling today right before repayment begins I was told I infact was not on the right plan and need to switch over. The fact that so many times I've called and received different information is frustrating and sad. No one clearly knows the correct information and my money is in n the hands of others. If I wasn't on my stuff this would be wrong.. 

I'm so mad, uspet and frustrated you can't trust anyone but yourself.. 

I'm very upset with my student loan servicer and the dept of Ed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
There are 2 hard inquiries from the same dealership from the same day for the same vehicle. That should only be 1 hard inquiry. XXXX the fair credit reporting act. All done in 14 days should reflect one inquirie.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 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: AZ

Complaint narrative:
The following accounts are not mine I demand all fraudulent items, and inaccurate addresses, be removed and blocked from any future reporting. I am a victim of identity theft I notice several addresses and fraud accounts reporting on my credit report. I demand these items be removed and never returned. Failure to comply or remove will result in a major FTC, CFPB, and consumer act lawsuit including defamation. The law states all fraud information must be deleted from my credit report. I demand all blocks from fraud and future reporting be added immediately. I've been a victim of identity theft and have decreased my credit by over XXXX points due to fraud.

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 2023-08-31 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
The following accounts are not mine I demand all fraudulent items, and inaccurate addresses, be removed and blocked from any future reporting. I am a victim of identity theft I notice several addresses and fraud accounts reporting on my credit report. I demand these items be removed and never returned. Failure to comply or remove will result in a major FTC, CFPB, and consumer act lawsuit including defamation. The law states all fraud information must be deleted from my credit report. I demand all blocks from fraud and future reporting be added immediately. I've been a victim of identity theft and have decreased my credit by over XXXX points due to fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31 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: TX

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

Account name XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, has 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 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 explanation