vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: Select Management Resources, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX Loan Star Title/Wellshire financial Services llc sent XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX to pick up my car after they made a mistake on legal contract and had the wrong name XXXX XXXX before making a correction to the documents and contract they sent XXXX XXXX XXXX XXXX XXXX XXXX XXXX to pick my vehicle up on XX/XX/XXXX I spoke with the president of Loan Star Title Wellshire financial Services llc / XXXX manager of store and XXXX the president and she acknowledged that they made an error on XXXX XXXX but on XXXX the XXXX I paid what Lone Star asked me to pay {$2200.00} in order to get my car along with a {$650.00} repo fee after I paid they sent me to a location where my car can be picked up meanwhile I had trouble when calling a rep getting my car from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX she denied me access to my car I had to return back to Loan Star/ Wellshire financial Services llc and speak to a manager by the name of XXXX, she intervened and call them and inform them that they had to give me my car although they refuse to in the beginning nevertheless XXXX instructed me in order to get my car from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I will have to give them an additional {$100.00} in addition to the {$650.00} I had paid them she informed me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX will send me a text of what location to pick up my car and they required a money order form with receipt only and they have to keep the receipt of purchase, I disagree but because I was up under the stress, and my car so I abide ....

I believe Loan Star Wellshire financial Services llc/ have failed me as a consumer and they participated in an unfair trade practice, they also have cosigned with being a part of a deceptive trade Practice Act with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and it's not fair to any and all Consumers, anytime that you purchase a money order it shouldn't be required that you turn in the money order along with your actual receipt of purchase to any recipient, But XXXX at Loan Star title /Wellshire financial Services llc informed me that will be the only way to get my car, Finally, my car was return with the drivers side head rest tv monitor damage with no remote control, and a XXXX XXXX XXXX XXXX  with a {$200.00} gift card inside also missing i awaiting on supervisor to get back with me, as of XX/XX/XXXX but no follow up ye and I think they have accountability and liable as a whole, unfair practices, for their errors on a legal contact, the repo fees, my losses and damages, in which I occurred on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXX XXXX since the sent them out to pick my car up

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: CNG HOLDINGS INC
State: AR

Complaint narrative:
my prospective employer will not move on with my hiring process bc of a debt on my background check from XXXX XXXX for {$840.00}. i have never gotten any products for this company and had no knowledge of them until today. I also found out that as of XX/XX/2023 they are in a XXXX millon dollar lawsuit over products they sold to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My credit report is showing a 30 day late payment for a car payment with Chase Auto Finance. However, it was the time the car was traded in at XXXX XXXX XXXX. This must have been a bank error to write off the check for the remaining balance. Now I am paying for XXXXXXXX XXXX repercussions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: TX

Complaint narrative:
XXXX XXXX XXXX has violated my rights on XX/XX/2023 with the amount {$870.00}. 
15 U.S.C 1681 Section 602 A. State 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX has violated my rights on XX/XX/2023 with the amount {$870.00}. 
15 U.S.C 1681 Section 602 A. State 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2023-11-21 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:
Dear Consumer Financial Protection Bureau ( CFPB ), A pleasant day to you and I hope thiss message finds you well. I am writing to formally dispute and request an investigation into the presence of fraudulent information on my consumer report, specifically related to an account with XXXX XXXX, which I have no knowledge of or any business dealings with. I believe this account has been erroneously included in my credit report, violating my rights to privacy as outlined in 15 USC 1681. 

Below are the details of the account in question : Account Name : XXXX XXXX Account Number : XXXX Account Type : Collection Responsibility : Individual Date Opened : XX/XX/2023 Status : Collection account. {$1300.00} past due as of XX/XX/2023. 
Status Updated : XX/XX/2023 Balance : {$1300.00} Balance Updated : XX/XX/2023 I assert that this account does not belong to me, and I have never authorized or engaged in any business transactions with XXXX XXXX. The presence of this account on my consumer report is not only inaccurate but also damaging to my creditworthiness and financial reputation. 

I kindly request that the CFPB conduct a thorough investigation into this matter. I urge you to exercise your authority under 15 USC 1681 to ensure that this false information is promptly removed from my consumer report, as it is in direct violation of my rights to accurate and fair credit reporting. 

Thank you for your attention to this matter. I trust in the CFPB 's commitment to protecting consumers ' rights, and I look forward to a swift resolution of this dispute.

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 2023-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
So many fees, funds disappearing, I have constantly made calls but representatives can't answer or talks in circles. I'm so frustrated.

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 2023-11-21 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: CA

Complaint narrative:
I was asking for a credit limit increase online for XXXX XXXX credit card, and they did a hard pull credit inquiry from Transunion without proper authorization.

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 2023-11-21 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: TX

Complaint narrative:
A collection account appeared on my consumers reports on XX/XX/2023 XXXX XXXX Solutions, that doesn't belong to me. I have spoke with all three credit bureaus and sent them a letter of dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I took notice to inaccurate information on this account from XXXX, victoria secret. 


The first inaccuracy is that the account numbers are reporting differently on XXXX, XXXX and XXXX. This is already grounds for removal pursuant to the fair credit reporting act. The FCRA says that everything must be maintained with 100 % accuracy however, both XXXX and XXXX are reporting the account number [ XXXX ] while XXXX XXXX reporting this account number [ XXXX ]. This is only one account and it can not have to completely different account numbers. You now clearly have reason to believe that the information reported is inaccurate. I also included a screen for further evidence.

The additional inaccuracy is that I was " late '' when I never was. This is tarnishing my reputation. This is violation of multiple federal laws set forth by Congress in regards to the above accounts. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, late payment status ), between the consumer ( myself ) and the person ( CREDITOR ) making the report. 

Pursuant to 15 USC 1681b This is my consumer instruction ; remove all late payments from each account and update the reporting to reflect current/paid as agreed never late.

I request that you mail me a copy of the complete consumer file that you maintain concerning me and this account after you act on this dispute. Note, the term file means all of the information on [ me ] and retained by [ you ] regardless of how the information is stored. 15 U.S.C. 1681a ( g ). Therefore, it is unlawful to send me a partial disclosure and not the entire file.

If you verify or deem the item of information that I disputed above as accurate and complete, then I request a description of the procedure used to determine the accuracy or completeness of the information including the accounting records, the business name and address of any furnisher contacted in connection with such information and the telephone number of such furnisher, pursuant to the provisions of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), in no later than fifteen ( 15 ) days after making such determination. See 15 U.S.C. 1681i ( a ) ( 7 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: Upstart Holdings, Inc.
State: CT

Complaint narrative:
This is not my account. Please remove this fraudulent account from my credit report. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: FL

Complaint narrative:
I want these accounts to be out of my report, I don't want this negative thing under my name, I need it to be eliminated. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: WV

Complaint narrative:
On XX/XX/2023, I called them to ask why my payments had gone up {$110.00} after applying for the SAVE program. They were unable to explain why so they put me on a forbearance until it could be resolved. I continued to try calling after I was not receiving answers and even sent a message through the portal to ask what was happening on XX/XX/2023. Still, I received no response. On XX/XX/2023, I received an email that my payments would resume and there was no change to how much they were. I received no information on how this decision came to be and have been unable to reach their customer service as they have wait times that are hours long. This is absolutely atrocious and after dealing with this, it does not feel fair to have to try and figure this out or pay a monthly payment that I am positive is not correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: WA

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 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 2023-11-21 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: WA

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 XXXX party. They in fact did not come from a XXXX 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 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 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have an account from XXXXXXXX XXXX  on my credit report showing up as paid and closed but also 30 days late. That is incorrect information and it is showing as a negative.

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 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: United PanAm Financial Corp.
State: GA

Complaint narrative:
I called organization numbers that was on credit report to have those items removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: EQUIFAX, INC.
State: CO

Complaint narrative:
I checked my credit report in the morning of the XXXX and noticed that a hard inquiry was added under the name XXXX XXXX. I called them inquiring about the charge along with the reporting credit bureau. XXXX said they had no record of me and that there was no further information that they could provide to me. I have never inquired with XXXX, let alone attempted to open an account with them. This is either them improperly using my information to open lines of credit, or an individual with little information about me applying for a credit card under my name with little to no verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: FL

Complaint narrative:
I have request a investigation of Fraudulent Account on my Equifax report. The charge -off of an obligation with Fraudulent Account is incorrect the following is the identifying information of the error, { Account number : XXXX, Date of incorrect reporting XX/XX/2022 }. The creditor misreported my account. 15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section.

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) Promptly delete that item of information from the consumer, or modify that item of information as appropriate, based on results of the reinvestigation, and

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
On XX/XX/23, I sent a second request in writing to dispute an amount this agency is claiming I owe. I have paid off all outstanding balances on any medical debt that I have incurred. Credit Control Corp. has failed to provide me with adequate information within 30 days of my initial dispute several months ago. After a second attempt to demand validation, they did not respond at all. This is damaging my credit and I demand that this erroneous debt be removed from my report immediately before I take legal action against this company and the credit bureau and report them to the Virginia State Attorney General for refusing to comply with the FDCPA and FCRA guidelines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello i been with wells fargo since XXXX. I noticed that wells fargo charged me too much interest on my credit card. I been struggling to pay off my credit card.I called the customer service and tried to see if they can lower my interest rate But they couldn't do nothing and this was on XXXX of XXXX when i called them. i needed to do something about this because i was drowning in wells fargo credit card debt. So i had no choice to get on a financial service that they provided me with 1 % interest rate and lower my monthly payments this was the beginning of XXXX XXXXi know i lost a lot of money trying to pay off this credit card for years.

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 2023-11-21 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: NJ

Complaint narrative:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my XXXX and XXXX is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

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