vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-09 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: FL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, XXXX Account Number XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Number XXXX, HAS VIOLATED MY RIGHTS. 

15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.

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 2024-05-09 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: FL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, XXXX  Account Number XXXXXXXX XXXX  Account Number : XXXX, XXXX XXXX Account Number XXXX, HAS VIOLATED MY RIGHTS.

15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.

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 2024-05-09 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: CIG FINANCIAL LLC
State: TX

Complaint narrative:
I purchased o vehicle from XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/XXXX. I used my XXXX XXXX XXXX as a trade in for the new vehicle. They offered me {$60000.00} for my trade in and told me I needed {$15000.00} as a down payment. They told me once I bring in the title from my trade. They will give me the remaining balance of {$45000.00}. I brung my title in XXXX week later and they refuse to give me my money. I told them to give me my trade in back and they can take the Nee car back. I wanted out the deal and they refuse that as well. They just keeping the money and havent even put it towards my new car at least.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX ***Violation under XXXX XXXX Code XXXX XXXX - False or misleading representations and should be removed. 
XXXX XXXX XXXX ***Violation under XXXX XXXX Code XXXX XXXX - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXX XXXX under XXXX XXXX Code XXXX XXXX - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX under XXXX XXXX Code XXXX XXXX - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXX ***Violation under XXXX XXXX Code XXXX XXXX - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXX ***Violation under XXXX XXXX Code XXXX XXXX - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXX XXXX under XXXX XXXX Code XXXX XXXX - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXX XXXX under XXXX XXXX Code XXXX XXXX - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXX XXXXViolation under XXXX XXXX Code XXXX XXXX - False or misleading representations and should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and 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 2024-05-09 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: CA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and 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 2024-05-09 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: NY

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and 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 2024-05-09 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Collection Management. Inc
State: PA

Complaint narrative:
This company reported this debt to my credit that i supposedly owed without even notifying me. I moved out of my apartment XX/XX/XXXX. And this was reported XX/XX/XXXX for unpaid rent? I wasnt even notified, nor attempted to be contacted until XX/XX/XXXX. Thats when i reached out to consumer collection about this. The girl on the phone was nasty, and ended up hanging up on me. The amount of debt can not even be confirmed. I want this removed from my credit report as i was not attempted to be contacted before this was report, therefore i could not communicate with the company if it was my debt before it was reported. After reaching to the consumer collection through the XXXX they said they attempted to contacted me XX/XX/XXXX which they did and they didnt report until XX/XX/XXXX but in the attached photos you can see it was reported on XX/XX/XXXX BEFORE i was attempted to be contacted or notified. According to the CFPB : A debt collector must use at least XXXX of the following ways to contact you about your debt before it sends information about the debt to a credit reporting company : Speak with you in person Speak with you by telephone Mail you a letter and wait a reasonable amount of time ( generally 14 days ) for a notice that the letter wasnt delivered Send you an electronic communication and wait a reasonable amount of time ( generally 14 days ) for a notice that the message wasnt delivered Also, if you have received a validation notice about a debt from a debt collector, it means they have satisfied their requirement to contact you and, in general, can begin to report the debt to credit reporting companies. 

Therefore i want this removed from my credit as i couldnt verify this debt as mine before it was reported to my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NC

Complaint narrative:
So a while back in 2022  I had open up a gym membership with XXXX XXXX and few months later i had went to cancel that membership since i was moving close to another gym ( XXXX XXXX ) and they told me okay and they claimed they did so i just went about my life ever since. Now current day i had received i have a collection from them of {$900.00} and it dropped my credit XXXX points which is huge and i never been emailed or mailed anything since i left that gym about my membership still charging me or anything since they told me that they stop my membership which i know is totally not right since i been getting charged unknowingly since 2022 till they had recently closed earlier this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: CA

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt 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 2024-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Zions Debt Holdings
State: MI

Complaint narrative:
I canceled XXXXXXXX XXXX XXXX because I sold the home. XXXX continued to charge me. I found out and contacted XXXX. The removed the charges. After some time I get a letter from a debt collector. I told them and the debt was resolved. Now a new company is requesting payment for a 3 year old account. I contacted XXXX  they declined to send records but said my final balance was XXXX. Zion Debt is requested XXXX. I received text messages stating just pay and they will leave me alone. Thats not fair.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: ME

Complaint narrative:
I have a mortgage with the XXXX XXXX  company, During XX/XX/2024 I made XXXX mortgage payments to XXXX of {$2000.00} each. XXXX says they never received my payments. 
I got copies of the XXXX cashed checks from my bank that issued them. The checks were made payable to XXXX XXXX. The back of the cashed checks show they were cashed by the JP Morgan Chase company. 
I contacted the JP Morgan Chase company and they refused to track down the XXXX checks that were cashed with their signature on the back of each check. 
I think that the JP Morgan Case company is committing fraud by cashing my checks and not remitting the funds to the XXXX XXXX  company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United PanAm Financial Corp.
State: MP

Complaint narrative:
On XX/XX/XXXX, I received a call from United Auto Credit regarding a car that I " purchased '' through XXXX XXXX XXXX in XXXX XXXX I live on an island called XXXX which would require me to spend hours on a plane to even get to the XXXX let alone XXXX XXXX. I do not live nor have I been to XXXX XXXX since XXXX ( for basic training ). I explained to the agent that I did not purchase a vehicle on XX/XX/XXXX. The person had my date of birth and the last XXXX of my social security. I was informed that they will investigate and get back to me. I received a call the following morning at XXXX ( time difference ). I did not get that call, so I got on their website to speak with a live agent who then instructed me to file a police report. I then requested for any documentation of this purchase and it was emailed. I was able to do the police report with the screenshots of my conversation with the agent as well as the " vehicle contract '' I received in my email. I was only able to get the front page of the report which only stated my information, my case number, and the classification of my complaint. Getting anything else will require a detective, which I am waiting for. I was told that may take a week or XXXX. I also tried to run my credit report to see if this vehicle loan was on my creidt history, but I am unable to be identified for a credit report. I have tried XXXX different credit bureaus and I am left with the same issue... I can't be identified. 
I have done a little research of the location of the dealership on XXXX maps and the last photo was in XXXX of an empty lot. The address of the person who used my identity to purchase the vehicle in XXXX XXXX is a XXXX XXXX. 

I need any help I can get.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: CA

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt 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 2024-05-09 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: CA

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: NC

Complaint narrative:
I do not own this account from capital one with a balance of {$290.00} opened in XX/XX/year> I have submitted to the credit bureaus and they have failed to remove from my credit file This is not my account I do not own this account nor am I an authorized user. Please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: DE

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 662, which states I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Account : 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 2024-05-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA
State: KY

Complaint narrative:
I received a statement for XXXX for an online savings account with Marcus. I called the company and told them I did not open this account. They said they would close it. I received a letter dated XX/XX/2024 telling me to fund my account. I thought it may have been mailed before I requested the account closed so I waited. In XXXX, I received a statement for XXXX showing the account still open. Even though it has a XXXX balance, I do not like knowing someone has opened an account in my name. I'm wondering what Marcus is intending to do with this fraudulent account and why they will not close it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: FL

Complaint narrative:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verity as accurate : XXXX Florida 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 non-monetary relief
Consumer complaint received 2024-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
There is again multiple inquiries on my credit report that I did not authorize. Some are duplicate from the same company and on the same date.

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 2024-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.
State: VA

Complaint narrative:
I have asked the representative from the Caine and Weiner to provide me the original contract stating that I gave XXXX permission to share or sell my information to any other company. They have yet to do so as well as I have been receiving invoices from XXXX directly but this debt collection agency is asking me to pay over {$1000.00} to them for this debt via a credit card that XXXX Closed and I was still paying on the card and it shouldn't have been closed. It was a net XXXX account and has been assigned to multiple team members at Caine and Weiner. When I tried to work out a payment arrangement with them the were very demanding. I also asked them if they could send me something in writing via US Postal Mail and they have refused. All correspondences have been via email. I have also sent them a Cease to Desist Letter as well and they are constantly harassing me. The are in violation of the FDCPA law 15 USC 1692g and 15 USC 1692 c ( c ) and I would like to report them. I owe a balance of {$500.00} something to XXXX and they are trying to collect that and there fees. I am unable to speak to someone at XXXX to pay the debt because they sent my account over to Caine and Weiner without me giving them permission to share my info and this was not in my original application that I signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: AR

Complaint narrative:
I am writing to challenge the reporting and compliance on accounts with XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX, and XXXX XXXXXXXX XXXX that are being reported on my credit report with incorrect/missing information. 

More specifically, I am referencing the fact that Equifax is reporting incorrect account numbers, incorrect high balances, incorrect credit limits, late pay after account was closed, collections account with a limit, inaccurate reporting dates. These are just to name a few, however there are other reporting errors. 

Equifax improper procedures are highly damaging to my credit score.

Company response to consumer: Closed with explanation