vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-09 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I ask the credits bureau to send my credit report. I saw several hard inquiries in my report I have requested for them to delete them since I did give this company to run my credit without my permission. XXXX has my name wrong and the refused to change or provide me with my credit report. XXXX has my loans closing several time on my credit try to reach to them and tge refused to update remove the inaccuracies on report that has been affecting my credit. Since all them refused to follow the law. XXXX tell to do a fcra report. I want tgem to remove all the hard inquiries, negatives and close accounts on my credit reports. I will report them since all them refused to help.

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 2024-03-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The XXXX financial obviously forces negative information on your credit so they can get paid. They have spoke on phone issues and knew that I paid my car payment on the XXXX day they saw it in the system they even wrote that in the last CFPB response but kept the 30 days late on my credit. They also reported me 60 days late in XXXX  when my mother got XXXX  and I was stuck in XXXX they would not fix it the XXXX # did not work there and they did not believe me. 

THE NEW issue is the dealership at the end of the lease bought my car after the lease expired that was the agreement so I would not have to pay the excess charges. 
I explained this to XXXX financial and they refuse to cooperate but still charge me for over mileage, and a bad tire which should not happen because the dealership bought the car. 
The dealership representative told me the car went to the auction, then I was told by XXXX financial that the car was bought by the dealership to call them. This went on for a year and ruined my credit in charge off status for {$3000.00}. 
This is what the manager said over the phone at XXXX financial There are XXXX types of lease buy outs : a ) XXXX where the dealership buys your car and takes care of all the customers cost. 
b ) The other is the dealership buys the car but DO NOT TAKE CARE OF THE CUSTOMERS COST. 
I apparently had option B, so basically the dealer bought my car, sold it made money and XXXX financial profits off this by still sending me a bill with charges that should have been gone with my sale to the dealership. It was just after XXXX  and used car prices had tripled so I could have kept the car and sell it myself if I knew I would be sent a {$3000.00} bill. 
I finally threatened litigation to the dealership XXXX XXXX XXXX and they finally responded with empathy and gave me a check of {$1000.00} toward the cost and apologized for the miscommunication. 
I told all this to XXXX XXXX and of course they did nothing again! They never try to compromise or offer any resolution or credit to my account. They had me in collections so I was forced to pay {$1800.00}. I should not have paid so much. But it is still on my credit as a charge off and I paid It off. This was a mistake and they know this, I will send the XXXX dealership emails and copy of check they gave me. The item should never been on my credit. My history of the past XXXX leases and my car now, is XXXX LATES PERFECT I WILL ATTACH. IT IS ONLY XXXX FALSELY REPORTING ME. 
I WANT THE LATES TO ALL BE REMOVED FROM MY 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 2024-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.

Complaint narrative:
On the XXXX XXXX XXXX XXXX, they blocked my account on COINBASE, They asked me to send documents confirming my identity, and I did so. However, later, they sent me an email stating that the documents were not satisfactory, and they provide me with no solution. There is no contact email or support available. There is no way to verify my identity, and they have kept all my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 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: IN

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from 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 2024-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
In accordance with the fair credit reporting act, this creditor ( MCM ) has violated my rights, under 15 USC 1681 section 6 a 2 states : I have the right to privacy. 15 USC 1681 section 604a section 2, also states a consumer reporting agency can not furnish and account without my written instructions under 15 USCS 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-09 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: EQUIFAX, INC.
State: NY

Complaint narrative:
In my capacity as President of XXXX XXXX XXXX, a New York XXXX entity in good standing, I took out a {$40000.00} business loan from XXXX ( XXXX ). I was removed a few months later from my position at XXXX XXXX. 

XXXX began contacting me via email and phone calls to both myself and family members telling me the loan was not being paid back. I provided XXXX with the best contact info for the person at XXXX XXXX XXXX who could assist them in resolving the issue. 

XXXX claims I signed a personal guarantee and that I am responsible for the business loan. This is false. I would never sign a personal guarantee for a business loan because I would never want to be placed in this exact situation. I asked them to provide me with a copy of the personal guarantee. They failed to provide me a copy because no such copy exists because I never signed a personal guarantee. 

XXXX is now reporting to the credit bureaus that I personally owe {$40000.00}. I have tried contacting the credit bureaus but they intentionally make it impossible to speak or email or contact them electronically. I tried calling the numbers they provide but I receive an automatic recording to file a dispute online. I try creating an account online to file the dispute but I get a message saying I must call them. It's a similar game many other companies play in order to avoid providing customer service. 

Please advise how I can remove this fraudulent debt from my personal credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 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: VA

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. 
DEP OF ED/ XXXX : # XXXX, DEP OF ED/ XXXX : # XXXX, DEP OF ED/ XXXX : # XXXX, DEP OF ED/ XXXX : # XXXX, DEP OF ED/ XXXX : # XXXX, DEP OF ED/ 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 non-monetary relief
Consumer complaint received 2024-03-09 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: EQUIFAX, INC.
State: VA

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. 
DEP OF ED/ XXXX : # XXXX, DEP OF ED/ XXXX : # XXXX, DEP OF ED/ XXXX : # XXXX, DEP OF ED/ XXXX : # XXXX, DEP OF ED/ XXXX : # XXXX, DEP OF ED/ 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 response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-03-09 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: TX

Complaint narrative:
I recently found out Equifax data breach, and reviewed a copy of my credit report. I'm shocked to learn that Ive been a victim of identity theft. I found numerous accounts and inquiries on my credit report that were not open by me. This injustice hurts me in the process trying to get a home for my family, the American Dream. According to Equal Credit Opportunity Act ( ECOA ), Equifax harmed me for many years, young credit age, barring me because of my ethnicity as a 2nd Generation XXXX American born U.S. Citizen. ( Equifax even unlocks my credit when I froze it without my permission! ) Please remove the fraudulent accounts and inquiries from my credit report as soon as possible. In accordance with the FCRA, sections 611 ( 15 U.S.C. 1681i ) regarding the correction of errors and sections 623 ( 15 U.S.C. 1681s-2 ) concerning this I demand immediate action to expedite this investigation and removal of the inaccurate collection account from my credit report. Given the substantial impact of this issue on my financial and mental, I stress the need for a resolution within 24 to 48 hours.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
today XX/XX/year> i logged into my credit file to see PORTFOLIO RECOV ASSOC is reporting a debt of {$1500.00} to credit reporting bureaus, i have never done business, signed any contract or documents with PORTFOLIO RECOV ASSOC or anyone they are collecting for, I do not wish to contract or do business with PORTFOLIO RECOV ASSOC.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
In XX/XX/2023, I called USAA Bank regarding a checking account being opened in my name using my information. No one in my family is in or involved with people from the military. They told me they would start investigating and they would close the account if they found it fraudulent. After a week I called back to make sure my account was being closed since I was still receiving emails stating changes being made in the fraudulent account. They asked me security questions, I'm assuming the other person set up then proceeded to tell me they could not let me know what the other person was doing even though it was all being done in my name, but they would investigate. I told them they had already said they were investigating and the person seemed to not know anything about it. They said they'd make a note for the fraud department so they could continue investigating. After about two weeks of going back a forth, and repeatedly verifying my identity, I stopped receiving emails for a while but never received any confirmation the account was closed. Fast forwarding to a week ago, I started receiving emails from the account again, the one I was told repeatedly was closed. I called them again and the lady told me they closed the checking account but not the main account. This wasn't true since I received an email regarding the checking account being active. I asked them to close all accounts associated with USAA so there was no longer an account in my name and she said she'd make a note of it for the fraud department. This means the first few people still hadn't made a note after months. I called again earlier this week, the week of XX/XX/XXXX, and I was told the same thing. The checking account should be closed but it's just the main account and they're not allowed to say anything else about it. They redirected the call to the fraud department and they told me, that the account should be being closed soon and to call back in a few days. It's been a few days now, and I have received another email about the person making changes to the account. This has been going on for months and it should have been closed when they told me they would close it back in XXXX.

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 2024-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TransferWise Ltd
State: MI

Complaint narrative:
I have opened a multicurrency account with the company called Wise On XX/XX/year>, the company decided to close my account without providing any reason for their decision ( seed Document XXXX attached ) I was asked to provide another bank account where they can refund the money that I had in my balance, what I did, After receiving all the requested information, Wise sent me an email in which they stated that my refund will take XXXX - XXXX business days to reach my provided account. 

it's been XXXX months, i still haven't received my refund amounted to about XXXX euro, or {$8200.00} even if I have already sent several emails to Wise. 

I'm contacting you so you can help me recover my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I started to receive text messages on my cell phone in XX/XX/2024 from # XXXX claiming that I had a payment of {$34.00} due toward XXXX with a link to go to Affirm. I thought this was a SMSishing/fishing attempt to scam me. This repeated for a couple of weeks. On XX/XX/2024 I saw an email from an address with the Affirm name in it that said if I did not pay, it would go against my credit. I started to research online the same day to see what Affirm was and discovered it is a loan and credit type company. I procured the customer support phone number and called to start an account investigation. I have no information on the account outside the text messages and the email. They confirmed my name, address, phone number, and email address, then escalated internal ( case # XXXX ). I was told that the account was started in XXXX and a loan was taken out in my name for {$900.00}. I informed the customer support agent that it was not me, I would like the account locked down, and a fraud investigation started. I was told I would hear something back within 30 days. On XX/XX/2024 I read the email response from Affirm that their investigation shows that I did start the account and responsible for the payments. I never received a phone call for follow up or extra discussion, outside the email sent on XXXX and read on XXXX. 

I did not know this company existed and was legitimate until last week. I also do not shop at XXXX. I was not the person that opened this account or requested this loan. I have no login information for the Affirm site or an account number associated with this loan. That information has never been shared with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
This is a continuation of complaint XXXX To whom it may concern, We attempted to appeal Wells Fargo XXXX decision on Saturday XX/XX/year> by dialing the number specifically provided for the appeal at XXXX wherein we were transferred around multiple times and then advised that there is no one to speak to on XXXX. The response provided by Wells Fargo in writing provided the number previously listed advising hours of XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX We called at XXXX XXXX 

We want to appeal the decision again asserting all of our debt originated with Wells Fargo including an unsecured XXXX that we have been paying and at no time did this organization advise that we should pay our XXXX before paying the unsecured credit card. We as consumers are relying on this company to guide us in the right direction specifically as it relates to our debt obligations and priorities in paying. Again, we have been making an approximate payment of {$350.00} per month while falling further and further behind on our secured debt. 

We have a Wells Fargo XXXX mortgage that was sold after being modified to XXXX  years wherein a negligible amount of the payment goes towards the principle, a Wells Fargo XXXX that we are over {$7000.00} behind in payments and Wells Fargo XXXX. 

We do not understand how or why a company that already has a vested interest in all the Risk of our debt are unwilling to put us in a better financial position by refinancing all of our Wells Fargo debt into XXXX monthly payment with a XXXX year mortgage. We have sufficient equity in our home.

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 2024-03-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: IL

Complaint narrative:
I am simply unable to get any response from Nelnet regarding balance, balance history, etc. I have been trying for months to get this cleared up with zero success, and am now at the point of emailing their entire executive team to file formal grievances to prompt a response, which is also not working. See attached email chain. Aside from phone records I didn't take notes on who I actually spoke to on the phone at Nelnet when I called, but the calls have spanned months, also with zero success.

Company response to consumer: Closed with explanation