vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
On XX/XX/XXXX I was involved in a car wreck in my XXXX XXXX XXXX that I financed through bridgecrest via XXXX. The vehicle was fully covered with XXXX motor vehicle Insurance & gap coverage through XXXX. XXXX deemed the vehicle a total loss and issued their payment within weeks. As of today XX/XX/XXXX both companies covered the principal cost of the loan but gap took way longer than expected. Being that XXXX covered the vast majority ( over XXXX ) of the principal which was about XXXX, I was under the impression that gap would cover the remaining. Unknowingly to me bridgecrest has still been charging me the note that has now acclimated to over {$1600.00} for 3 months that it took for XXXX to cover the gap. My note was not behind prior to the accident. So this balance is still accumulating on a vehicle thats been totaled and no longer in my possession. When I tried to speak with representatives at bridgecrest they refuse to find a common ground. How am I being held responsible for a note on a vehicle that was deem a loss months ago? This seems like predatory lending. The principal has been paid in full at this point by XXXX XXXX XXXX but bridgecrest is still actively billing me for the note & charging late fees for this vehicle Ive been without for over three months now. I want to resolve this as soon as possible as the fees are still accumulating and my fear is that it will continue to negatively affect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am in disagreement with the items listed in my attachment, in my personal dispute below which still appears on my credit report, even after the credit bureaus Investigation. I would like these items immediately re-investigated. I would Like the credit bureau to actually investigate my claims and delete all accounts I have listed in dispute for they all have errors affecting my report. If accounts are verified, please send me proof of verification, as to who you spoke with, company name and address. These inaccuracies are highly injurious to my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
i am name is XXXX XXXX and as I reviewed my recent report, I have found a lot of multiple erroneous information reporting on my TransUnion Credit Report. I am not sure if you have conducted a thorough investigation for the multiple items stated below. Under FCRA,30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized US DEPT ED XXXX Balance : {$0.00} XX/XX/XXXX DPT EDXXXX XXXX Balance : {$0.00} XX/XX/XXXX DPT EDXXXX XXXX Balance : {$0.00} XX/XX/XXXX US DEPT ED XXXX Balance : {$0.00} XX/XX/XXXX DPT EDXXXX XXXX Balance : {$0.00} XX/XX/XXXX US DEPT ED XXXX Balance : {$0.00} XX/XX/XXXX DPT EDXXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Balance : {$0.00}

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 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, 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: MO

Complaint narrative:
As I reviewed my recent report, I have found an unauthorized inquiry reporting on my TransUnion Credit Report. I am not sure if you have conducted a thorough investigation for this item : XXXX XXXX Date of inquiry XX/XX/2020

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 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Hello good Morning. Today at XXXX I began to submit a number of messages to my email for the use of my credit report./ Which I have no intention of. I have evidence of the theft of my information. I appreciate your support and prompt solution. All my credit information was stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Recovery Services, Inc.
State: FL

Complaint narrative:
Southwest Recovery have " FALSELY '' placed 6 plus Collection Accounts on my PERSONAL Credit Report. Southwest Recovery represents a Credit Card Processing Company for Businesses - ( 1 ) I NEVER accepted NOR did I sign any documents accepting any personal responsibility for the Company they have paperwork for [ they have provided me a copy of the paperwork ]. ( 2 ) I NEVER accepted NOR did I sign any document for service other than a " Seasonal Service '' for that 1 Month! [ they have provided me a copy of the paperwork ]. They are claiming I signed a 3-year credit card processing service with them. NO, I Never Did! ( 3 ) ALL Credit Card Machine Terminals were returned! They are stating that they did not receive some of the terminals and charging us for these terminals! That is outrageous. We have no use for these terminals. We didn't process credit cards with them, so why would we keep the terminals ; makes no sense. 
THIS COMPANY NEEDS TO REMOVE THESE OUTRAGEOUS LIES AGAINST MY CREDIT REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Armin, O'Conner & Boch, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX- I got a notification from my XXXX credit report that a collections was reported and my score dropped about 20 points. 

Company : XXXXXXXX XXXX XXXXXXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, NY XXXX Phone : ( XXXX ) XXXX I called and asked about the debt, I was then referred to another company - Armin O'Conner and Bach - at XXXX - that wanted me to pay {$1200.00} but had absolutely NO details about the debt except that it is from 2018. 

I have no idea what the debt is, who the original creditor is, the amount or anything but it is reported on my credit.

I was then called 5 times within TWO hours- including voicemails and text messages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have sent letters to XXXX and Transunion about these false negative accounts on my credit report last XX/XX/2022. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation.

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681

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 2022-02-23 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have sent letters to Experian and XXXX about these false negative accounts on my credit report last XX/XX/2022. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The XXXX D

ata Breach Direct Violation of The FCRA Repor ting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681

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 2022-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I have written an enormous amount of letters to various governing agencies, with CFPB being one of them. The problem is still the same. I have written various correspondence with the company, Wells Fargo, who committed various illegal and unlawful acts both at the state and federal level. First, my vehicle was repossessed unfairly, unjustly and without just cause based on an error made by Wells Fargo in XX/XX/XXXX CPI insurance was placed on my loan file unnecessarily to which Wells Fargo initially sent correspondence stating it was necessary. After forming my complaints, Wells Fargo sent correspondence stating the CPI insurance was unnecessary yet, Wells Fargo did not compensate based on Class Action Suit against them from the violation. Wells Fargo violated my consumer rights causing lower credit scores and diminished ability to seek credit which resulted in me filing bankruptcy. After the bankruptcy discharge, Wells Fargo never updated my credit file, even after the 10 years it took to remove the bankruptcy off my file. The calamity that Wells Fargo caused has damaged not only my life, but my trust in the banking system and the governing bodies that regulate them. I went through the mediation service provided by Wells Fargo, and again, another attempt to cover up the damage caused, and created by Wells Fargo took place when the representative lied and stated Wells Fargo didn't believe that mistake they made caused the repossession. Now Wells Fargo wants me to sign a lie in order to receive XXXX they offered from their massive mistakes with the loan I had with them. Wells Fargo final response was, seek legal action against them because they have exhausted what they will do. I want CFPB to protect me the consumer by helping me to fight against illegal and unlawful practices just as CFPB did with File No. 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 2022-02-23 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX, FL 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 2022-02-23 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$2000.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still holding me responsible. Arizona XXXX XXXX XXXX XXXX # XXXX, XXXX, Amount {$1400.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still holding me responsible. XXXX XXXXXXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$230.00}, This account was opened fraudulently, contacted the company and company refused to removed this from my account and is still holding me responsible.

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 2022-02-23 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: Sezzle Inc.
State: CA

Complaint narrative:
Ive contacted Sezzle company to let them know this is a identity theft account I have no knowledge of this account and they are disputing removing from my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
RE ACCOUNT XXXX Nissan is reporting illegal late payments on my XXXX bureau they are in violation of the FCRA law which I have attached for them to a look. I have not given the consent to report anything on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: AZ

Complaint narrative:
This is an appeal to have the Department of Education include periods of forbearance for XXXX XXXX XXXX XXXX in the new rule changes/waiver process. This is due to misleading and inaccurate information provided by the loan servicer Fedloans which told me after I broke my back that no other payments options existed and informed me if I couldnt pay to go into forbearance- which I had to do multiple times between XXXX and XXXX due to the setback financially from my medical recovery and PT appointments. If I had been informed that ai could make lower payments those payments would now count towards my 120 months for forgiveness. Fedloan has provided deceptive guidance to borrowers for years to gain compound interest after forbearances without providing any other solutions to those trying to obtain PSLF. I have been employed in public service since XXXX, and have been paying on my loans through various payment plans since, but due to the forbearances I was told was my only option when I had financial hardships, I still have almost 4 more years till I can be forgiven- having my student loans for almost 19 years and because of the compound interest- owe double what ai borrowed to begin with. This is predatory tactics for financial gain of Fedloan servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX- Inquiry : XX/XX/XXXX TXXXX XXXX- Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXnquiry : XXXX XXXX, XXXXXXXX XXXX Inquiry : 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 2022-02-23 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX & XXXX Account # XXXX, XXXXL XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX BANK Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, 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

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