vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-13 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CREDIT ACCEPTANCE CORPORATION
State: MA

Complaint narrative:
Repeated violations of U.S.C. Title 15 1692 et seq by all person involved caused direct damages. We have in good faith given all individuals involved well over 12 months to comply with this lawful claim for damages. We have sent An AFFIDAVIT in good Faith which regarding this made-up debt on XX/XX/XXXX, as evidenced by USPS electronic delivery and have continued collection efforts in blatant violation of the FDCPA [ Mailing No. XXXX, XXXX, and XXXX ]. This criminal conduct has caused extraordinary damages to the health, personal life, credit score of XXXX XXXX, XXXX XXXX. The Attorney General has been sent a copy of this communication as the Attorney General 's Office must help with these ongoing illegal practices. These individuals ' unlawful actions include Defective products ; Car sales and financing ; Unlawful Auto repossession with XXXX XXXX ; Debt collection ; Making false, deceptive and misleading statements when attempting to collect a debt, collecting or attempting to collect any amount that is not expressly authorized by the agreement creating the debt or permitted by law, and falsely threatening that nonpayment of a debt will result in our false imprisonment or imprisonment. This information was previously sent to the Attorney General who chose to neglect this urgent matter, despite filing identical charges against XXXX XXXX on XX/XX/XXXX. This entity has been found guilty of all violations within this claim by the Massachusetts Attorney general in XXXX XXXX Please be advise that our consumer goods have been stolen without just compensation for XXXX XXXX and XXXX XXXX which XXXX XXXX XXXX  was given power authority originally over claim for damages. In good faith we will this agency of identity theft of personal identifying information which has a commercial value per agent per entity per usage at XXXX usd. XXXX XXXX XXXX  must compensate XXXX : XXXX on behalf of claimants. This is an emergency where the theft of the consumer good has caused direct inference with educational learning and enjoyment of life. Thank you in advance check can be sent to address within. 

c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Massachusetts

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 monetary relief
Consumer complaint received 2023-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, Original Creditor # XXXX has violated my rights.15 USC 1681 Section 602 states that I have the right to privacy 15USC 1681 Section 604 A Section 2 ; It also states that a consumer reporting agency can not finish 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. I demand that these accounts be permanently deleted from my credit file

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 2023-01-13 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: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  # XXXX has violated my rights.15 USC 1681 Section 602 states that I have the right to privacy 15USC 1681 Section 604 A Section 2 ; It also states that a consumer reporting agency can not finish 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. I demand that these accounts be permanently deleted from my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: Westlake Services, LLC
State: CA

Complaint narrative:
There is a XXXX finance statement filed also I am a secured party creditor enacted by uniform commercial code the body of laws governing commercial transactions in the US. These debt on account have been place on debtors of accounts.ther is intrest in the debt for XXXX XXXX XXXX XXXXThe interested secured party creditor is XXXX XXXX XXXX These debts should be removed from aTHE NAME LISTED ABOVE.ALL SECURED PART CREDITORS HAVE BEEN NOTIFIED.

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 2023-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I am a victim of identity theft, someone was able to create a various accounts using my personal information. Im not sure how they were able to retrieve my information I want to think of a data leak or a software was hacked. This has been very concerning and nerve wrecking for myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MST Financial Services, L.L.C.
State: WA

Complaint narrative:
I received a call from Chapman Financial Services last week XXXX  about a bill from XXXX or XXXX not sure. From XXXX XXXX XXXX XXXX XXXX a local newspaper. I had gone in personally hopping mad because I went on their erroneous website to get a quote for an ad to find a place to rent. The website wouldn't calculate the words so I literally backed out of the ad not giving any credit card or final okay. Didn't think anything of it. Then a bill came to my XXXX XXXX XXXX how sketchy is that. I went into their office and gave them my piece of mind. I got hijacked by a web page they illegitimatly billed me from anyway! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX in 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 2023-01-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX with account number XXXX This account is listed as being XXXX  days late. I have never been late on this account. 

In accordance with the Fair Credit Report Act, 15 U.S.C 1681a ( 2 ) Exclusions : ( A ) ( i ) states report containing information solely as to transactions or experiences between a consumer and the person making the report. 

Therefore, any transactions SOLEY made between a consumer and the company CAN NOT be reported on the consumers credit report. I have included this section from the FCRA along with this letter. Please see attachment.

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 2023-01-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I have a basic checking account with Huntington National Bank ( HNB ). In 2022 I was solicited for a new product offered by HNB linked to my checking account. It was advertised as a " Stand By Cash '' account where I could initiate a type of loan and have borrowed funds transferred directly into my checking account. I was initially granted a credit limit of {$300.00}. The terms of this type of loan are that the money is interest free as long as it is paid in full at the end of 3 months. The customer also has to make 3 monthly payments of equal amounts. I thought this was a good product so I borrowed {$150.00} in the beginning and repaid it in full as agreed. I also signed up for automatic payments from my checking account. Within 3 months HNB notified me that my credit limit had been increased to {$600.00}. Again, I initiated a loan to myself from this " Stand By Cash '' account in the amount of {$500.00} and signed up for automatic payments. One month after initiating the loan HNB lowered my credit limit to {$200.00} which made me appear over my credit limit. I contacted HNB about my concern and they confirmed that this type of loan product is reported to the credit bureaus. I, again, repaid the loan within 3 months per the agreement. One month following getting that loan repaid HNB increased my credit limit to {$750.00}. THEN... 2 months later, HNB decreased my credit limit to {$100.00}. I didn't even have any outstanding loan balance at that time. My concern is that within 1 year 's time HNB has arbitrarily increased and decreased my credit limits 4 different times for no reason. One time making me appear to be over my credit limit. Plus, they are reporting these different credit limit adjustments to the various credit bureaus thereby negatively impacting my credit score. I have never had a credit lending institution decrease my credit limit and on the contrary, I've only ever had my credit limits increased. I reached out to HNB one month ago ( the XXXX, MI branch ) to voice my dissatisfaction and concern and the customer service representative basically said that's how the product works. I did also receive a call from the District Manager but again, he only listened with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: PNC Bank N.A.
State: TX

Complaint narrative:
As it has been over a year since I started this dispute but I am still waiting for PNC Bank to have the negative/derogatory remark remove for my credit profile. In their last response they requested a letter from XXXX bank, I sent XXXX letter on XXXX which I received via fax from XXXX. On a cover letter 's subject line it it Clearly says that I never had any deposit account ( s ) and on the letter head it shows my credit account detail but PNC bank refuse to accept it. I sent a second letter on XXXX that says I don't have any checking/savings account with XXXX  but PNC Bank representative XXXX XXXX still refused to accept the letter and requested a new letter stating that I Never had any account with XXXX Bank in order for them to process my request. I sent third letter that I received from XXXX bank on XXXX that says I Never had any checking/savings account with XXXX. I am still waiting for the response and relying on PNC Bank to resolve this issue and remove the the negative/derogatory remark from my credit profile. 
I have attach the email correspondence with PNC Bank representative XXXX XXXX that was working on this issue, in which she said in her last email that she will not have any update on his case. I am still waiting for the response but they have not responded back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
ATTACHED IS EMAIL TO THE EXECUTIVE OFFICERS AT WELLSFARGO My name Is XXXX XXXX XXXX. I have been a Wells Fargo customer since XXXX in XXXX. 
Around XXXX maybe, i added my mom XXXX XXXX as a user on another account ATTACHED TO MY ACCOUNT. 
ON XX/XX/XXXX I LOST MY FAVORITE GIRL ( MOM ) VERY UNEXPECTEDLY. 
I received death certificates on XXXX. 
I THEN RECEIVED A LETTER FROM WELLS FARGO REQUESTING A DEATH CERTIFICATE. THE LETTER WAS SENT BACK TO WELLSFARGO with Dates of death and so on. 
I had an ATTORNEY AND MY ASSISTANT monitor this account as iwas in a very dark place.Everything seemed ok no one reached out to me. I log in to the account possibly in XXXX / XXXX and I see Wells Fargo is allowing this account to operate. They are adding monthly fees, as well as paying creditors who have already been contacted. 
I contacted Wells Fargo, these people are questioning me like I'm a criminal and not the victim. I received a few calls from higher ups. Today I received a call while being asleep explaining that I would receive a letter. Me .... just understanding that WellsFargo and their History and Reputation ..i log in to the account .they have the account in a negative almost XXXX balance. 

I'm not wasting another minute of my life on the phones with these XXXX XXXX, from this day forward its legal actions. 
I WILL NOT CALL ANOTHER CREDITOR TO EXPLAIN ANYTHING, THE COMPLAINT WILL NOW GO TO Federal Trade Commission. 


KEY COMPONENT I KNOW THEY RECEIVED THE PROPER INFO TO CLOSE THE ACCOUNT, BECAUSE AS OF XXXX THE CARD FOR THE ACCOUNT NO LONGER WORKED. 

ONCE THIS IS CLEARED .I WANT NO AFFILIATION WITH WELLS FARGO EVER AGAIN.COURT IT IS. 

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 2023-01-13 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: Early Warning Services, LLC
State: GA

Complaint narrative:
On XXXX XXXX was notified that I had information in Early warning reporting agency. After notifying the agent of my concerns XXXX was very rude and condescending. He then began to antagonize me. After asking for a supervisor he refused. I got no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: AL

Complaint narrative:
Equifax is reporting and account that has been removed from two other Credit Reporting Agencies report. The account is XXXX XXXX XXXX. Ive tried several times to dispute this on Equifax website. XXXX and XXXX have already removed this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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:
I reviewed my credit report recently and I came across many fraudulent accounts and false information being reported. My sensitive personal information was stolen in data breaches and made my identity vulnerable. The fraudulent information on my report is not mine.

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 2023-01-13 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: NY

Complaint narrative:
In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Information here : XXXX XXXX XXXX XX/XX/XXXX Possible financial XX/XX/XXXX 15 USC 1681 section 602 A states I have a right to privacy. 
15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which predates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) states 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 2023-01-13 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Information here : XXXX XXXX XXXX XX/XX/XXXX Possible financial XX/XX/XXXX 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which predates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) states 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
Consumer complaint received 2023-01-13 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: LEXISNEXIS
State: MN

Complaint narrative:
Wait a minute here. Lexisnexis you claim you had removed the bankruptcy from your files?? This is new to my eyes. In your response you were very quick to note that I had ( 48 ) complaint / disputes with your company In those 48 contacts that Ive had with you could you tell me which number that you indicated that the bankruptcy was removed? Please upload to CFPB. Also you never sent a updated credit report from your office again indicating that you had claimed to have had the bankruptcy removed Im just curious as to why not!. 

Secondly what was your reason for removing the account from your credit file?? Just curious you removed it but however XXXX XXXX and XXXX are very quick to say that they contact you when they receive a dispute! So you mean to tell me you remove it from your account but when they contact you. You tell them that the information is reporting as correctly? How is this possible Lexisnexis??? Review their reports thats exactly what these people are saying your company name is all over there report. Each and everyone of them. It is very clear that XXXX  and XXXX  and XXXX contact you to verify the public records. But you going to remove my public record from your report but still tell them its reporting as accurate Lexisnexis this is unlawfully and reckless credit reporting that you are doing on your behalf. I dont care what you sell or to whom you sell it too but you make sure youre reporting is accurate. I will need for you to remove the public record from XXXX XXXX and XXXX! You have the power to do this because if you are verifying it you can remove it. 10 business days Lexisnexis I will consider legal action. If you DO NOT On the 50 dispute/complaint. Will be a charm!

Since you claim the bankruptcy was removed from your report section 609a ( 2 ) I request for you to provide me that the XXXXXXXX XXXX  public record was in fact removed from the credit file of your company this will include a copy of the credit report the date that you removed why was removed. 
And 10 days you will need to contact the major 3 and have them remove the public records in its Entirety this false information I have supplied you everything that I have showing you that you are reporting and verifying false information. 
XXXX XXXX XXXX XXXX XXXX XXXX Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc.
State: MD

Complaint narrative:
Convergent Outsourcing Inc. Sent a letter addressed to me saying that I owe a debt that isn't mine and that if I don't pay it, they will add unauthorized information to my credit report which is a violation of the FCRA 15 USC 1681i as well as other laws. Please delete this debt as I do not owe it and you are not authorized to put any negative information on my credit report. I was lied to and misled at some point. I am here by exercising my rights under the FCRA. ACCT # XXXX should be deleted immediately. Validate the debt. Send copies of any contracts with my signature as I am the original creditor in all consumer credit transactions. There are also letters to XXXX, XXXX and XXXX attached.

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 2023-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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