vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
Credit Acceptance Corp, XXXX is reporting the following history on my credit report : {$32000.00} chargeoff, showing account open and past due with lates reporting every month since XXXX of XXXX. 

This account was charged off in XX/XX/XXXX. It is illegal to report late payments on an account that has been charged off, yet after disputing this with the credit bureaus, and after calling the company directly, they are refusing to stop reporting this account late every month since XXXX of XXXX. Because of this account reporting late every month for the past XXXX XXXX years, my credit is completely ruined and I am unable to purchase a car, a house, or obtain any type of credit at all. I have been stuck in this position for over XXXX years because of their refusal to correct this situation.

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 2024-02-12 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: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor violated my rights under 15 USC 1681 Section 602, states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.15 USC 1666B : A creditor may n treat a payment on a credit card 365 account under an open end consumer credit plan as late for 3554 and 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 2024-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
15 U.S.C. 1681 c-2 a consumer reporting agency shall block reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days. This practically shows that you are in violation of this law because I am a victim of identity theft. 

This account placed on collection by XXXX XXXX XXXX should not be furnished on my consumer report as they are in violation under, 15 15 U.S.C. 1681 b permissible purposes of consumer reports ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instruction of the consumer with whom it relates. I never gave any consumer reporting agency written consent to report anything on my consumer report which violates my rights as a federal protected consumer. No consent is identity theft. Kindly delete this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: PR

Complaint narrative:
PORTFOLIO RECOVERY ASSOCIATES CONTINUES AS NON AFFILIATED THIRD PARTY TO HARASS, ABUSE AND VIOLATE MY RIGHTS A CONSUMER. TO ATTEMPT TO COLLECT A DEBT OBLIGATION THAT HAS BEEN WRITEOFF AS A CONCLUSIVE PRESUMPTION OF WORTHLESS DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
A credit card application has been submitted with my maiden name & ssn on or before XX/XX/2024. I requested the info off of the application to determine if I need to invest in higher level ID theft insurance & security, or if a specific individual should be monitored with possible police involvement. I was told an FTC affidavit was required. However, since no money was diverted as the application was appropriately flagged, the FTC ( both via their online portal & on a phone call ) declined to provide an affidavit. I contacted Chase again & was told that they would not make any exceptions. I feel that this is unfair, causing me to potentially buy several XXXX of dollars worth of protection that may not help if a specific local person is using my info. It feels like I needed to have that person actually open the card & steal money in order to best protect myself from someone opening a card & stealing my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 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: UT

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-02-12 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: UT

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-02-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
Follow up to complaint XXXX. The company stated that they would deliver relief in the form of a check, but we have not received any communication from the company at all. The .PDF file attached to the original case, mentioned above, contains a shipper tracking number, but when that number is looked up on the shipper 's web site, the correspondence was delivered to an address in New York state, not to my home address which was correctly listed in the .PDF.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NJ

Complaint narrative:
Jefferson Capital Systems has reported collection information on my consumer reports as unpaid. I have never entered into a contract with Jefferson Capital Systems and I have/had no business with them. I have no debt with them, yet they have contacted me via email and have ignored my responses to said emails. 

The only email they sent me was sent on XX/XX/XXXX. 
On XX/XX/XXXX I disputed the account electronically as per one of the instructed methods in the email that was sent to me but they never responded. 

They have failed to provide me with proof of required information that I requested about the debt and proceeded to add this derogatory account to my consumer report anyway after not responding.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: TX

Complaint narrative:
I was looking through my credit report and saw inquiries that are not mine on there

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 2024-02-12 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: MD

Complaint narrative:
I requested from all three bureaus that they investigate the inaccuracies on my report. In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report.

The Credit Bureau stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last reported is inaccurate, and the date last reported is not accurate? This is grounds for removal and they also violated my rights under 15 U.S.C. 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 sECTION 604 A. Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions and consent. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: DISCOVER BANK
State: OH

Complaint narrative:
I am writing to request assistance with my current loan bill numbers with Discover loans - XXXX and XXXX XXXX XXXX - XXXX. The current arrangements on payment amount are higher than what I can currently pay. Unfortunately, I was scammed {$250000.00}, and the FBI is currently investigating the incident as a fraud case. I have attached the necessary documentation to support this claim, and you can reach out to the FBI agent in the letter attached to verify. 

Due to unforeseen work reduction, I can no longer pay the amount requested. This is solely due to the reduction in wages and the effect of the scam on my finances. The current economic situation and inflation are only exaggerating this condition. 

I have the followings requests for the duration of the FBI investigation : a reduction in my monthly payment, a lower interest rate and assistance toward monthly payment. I do not want to stop sending payments. 

However, I have XXXX  parents and XXXX  children who are solely my responsibility as a single parent. The cost of living has created a negative drain on financial resources not present during the original payment calculations of these loans. 

I look forward to your assistance in reducing such a high payment amount that does not match a reasonable payment total.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
Multiple emails sent this morning ( XX/XX/2024 XXXX XXXX ) stating a Chime account was created and phone number that was not mine was updated on the account. Called the companys phone number XXXX and was asked sensitive questions including DOB and SSN to identify and close the account. Hung up and realized there are many others who have experienced this and worried about my sensitive information. Company not to be trusted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
NEW-REZ / Shellpoint mortgage servicing is not following their own published guidelines with regard to endorsing and returning my insurance claim check 's from Hurricane IAN. 
MY claim is under XXXX and they demand an adjuster 's report. This is not required documentation for claims under XXXX as stated right on their claims policy. 
They then dispute the amounts on the adjuster 's report and reach out directly to the adjusters without including me in any correspondence and without my knowledge. 
They refuse to endorse and return my checks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: TX

Complaint narrative:
I have not authorized the creation of these accounts and believe they are potentially fraudulent. Please review them and ensure they are promptly removed from my credit report.

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 2024-02-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I paid my entire balance owed XX/XX/2021. I asked XXXX XXXX if that was the total balance for services rendered and they replied yes. I had no more visits or procedures done. A month later I started to get billed after I had already paid my balance in full. Every month the charges were more. I refused to pay any more due to the fact that I refused any further procedures and I was paid in full for all services rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Today XX/XX/2024, I ( XXXX XXXX ) Was contacted by another collections agency and it led me to investigate my credit report. Finding that there is a collections mark from a " XXXX XXXX XXXX '', from a Walmart Reward card. 
I ( XXXX XXXX ), have never opened a Walmarts reward card nor am i the owner who has access to the account. My mother ( XXXX XXXX ) is the account owner and the only person who has access to it. I am only finding out about it due to my personal investigation. This account was opened under my name, my mother having access to all my information and listing herself as the secondary name on my credit report. 
I put in a dispute to have her name removed and it has now been removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I went into a medical facility ( XXXX XXXX XXXX ) for a free consultation. They took my credit card information. I did not realize they were going to charge me for the ENTIRETY of the services up front before I even started services. I asked them for a refund while I consider actually receiving the services. 

They gladly obliged and gave me the refund immediately and even provided a refund receipt. I thought everything was good to go as I saw both the pending charge and the pending credit on my credit card. However, the charge posted to my account and the credit dropped off. 

I reached out to XXXX XXXX XXXX to confirm the refund. The owner texted me and confirmed that it should've been refunded. The owner even provided an email from his credit card processor showing that it had been refunded. So, I filed a case with Wells Fargo to have the charge removed. They told me I'd receive a temporary credit for the {$6100.00} charge. I have not. 

I have called in twice since I originally filed the charge only to be told both times that a " speciality team '' was looking into the dispute and would let me know what happened and whether or not I needed to provide any additional information. I'm worried that Wells Fargo is not operating with my best interests in mind. 

I provided all of the info including the the most important piece of evidence - the confirmation from the merchant that it should have been refunded as well as the screenshot from the merchant 's processor of the refund.

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 2024-02-12 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: NY

Complaint narrative:
Upon checking on my credit report, I spotted some unauthorized and fraudulent inquiries that need reporting and correction through your company.

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 2024-02-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MO

Complaint narrative:
With the new BidenXXXX administration forgiveness plan ( after XXXX years of paying, loans start to be forgiven automatically ), I noticed the inception date on my loans indicated XXXX. I contacted Nelnet to inform them the date of inception was incorrect. The date they have on file is the date my loans were transferred TO XXXX ( Nelnet retained the loans when XXXX got out ) from XXXX, not the inception date. I received an email stating they would get back to me - nothing. I waited several weeks & after not hearing from Nelnet, I contacted them again on XX/XX/XXXX via email, providing proof from my credit reports showing XXXX had " closed '' the files and the inception date of the loans ( date opened XX/XX/XXXX ) and original loan amounts with XXXX, explaining the documents showed both the original inception date ( going back to XXXX ) and the original loan amounts... still received no reply. I gave it a couple more weeks and uploaded the same documents of XXXX closing the file and the inception dates of the loans and original loan amounts to my Nelnet account, with no reply still to date. 

I graduated in XXXX student loans. XXXX XXXX was the original lender. My loans were then transferred to XXXX who maintained them until XXXX in which they were transferred to XXXX. XXXX then transferred the loans to Nelnet. Prior to XXXX transferring the loans, XXXX told me I had 44 payments left. Nelnet disputed that amount, doubling the minimum payments to 64 payments, even back tracking saying my payments were based on the repayment option chosen so no time frame for payoff could be given. The credit report records show loans opened with Navient date back to XX/XX/XXXX ( these were provided to Nelnet ). The discretion of the inception date is causing me to pay extra on the loans and cause me to miss out on forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: UT

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 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: TX

Complaint narrative:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.

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 2024-02-12 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: NY

Complaint narrative:
I reviewed my credit reports and it shows inaccurate and unverified items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Company response to consumer: Closed with non-monetary relief