vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FC HoldCo LLC
State: CA

Complaint narrative:
I recently have been placed on XXXX from my current employer due to a XXXX XXXX I sustained from an accident in which I wasnt at fault. My company doesnt allow light duty so Im unable to work. I contacted Flagship credit acceptance in advance to give them notice that I have a lost of income. The representative i spoke to informed me that I can be placed on loan modification and I would just would have to do a verbal acknowledgement of the terms in the conditions form over the phone. Upon completing this process she indicated that someone from the company will call and email me to finalize the process within 48 hours. I received no phone call for about 4 days or email indicating what the next steps would be. I then contacted flagship to follow up with them it was then that they informed me that Im not elidlgible for the modification and suggested that I ask a family member for the full balance. I let them know that I wouldnt be able to do that and I just need help until I get everything figured out because I still have rent to pay.The rep told me that they are not a mortgage company they work for flagship. I asks for a supervisor to call me and i have not received that call. They continue to call me from different numbers and unknown phone numbers even after i gave them a date that I would follow up and the rep indicated that they would put it in the system. All the reps have been harsh. There was even gap insurance placed on my contract that i didnt authorize from the dealership. I feel like Im being robbed and the balance is never going to go down. I feel like my balance is also inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: United Revenue Corporation
State: TX

Complaint narrative:
15 US Code 1681e states that every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.

I am not satisfied with my previous dispute because I have reason to believe that this company did not follow reasonable procedures when investigating the items that I disputed on my credit report, I believe that the company 's investigation was done by an automated eOscar system which is why the investigation yielded inaccurate and false information 15 US Code 1681i ( Section 5 paragraph A ) states that Treatment of inaccurate or unverifiable information ( A ) In general 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 file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
From my understanding this company could be held liable for willful noncompliance under 15 US Code 1681n especially due to the statutory and actual damages i've suffered

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: TX

Complaint narrative:
15 US Code 1681e states that every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.

I am not satisfied with my previous dispute because I have reason to believe that this company did not follow reasonable procedures when investigating the items that I disputed on my credit report, I believe that the company 's investigation was done by an automated eOscar system which is why the investigation yielded inaccurate and false information 15 US Code 1681i ( Section 5 paragraph A ) states that Treatment of inaccurate or unverifiable information ( A ) In general 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 file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

From my understanding this company could be held liable for willful noncompliance under 15 US Code 1681n especially due to the statutory and actual damages i've suffered

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 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information

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 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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. 

XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an 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 or 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 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

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. 

XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 an 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 or 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 2023-02-16 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: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
The paperwork that has been allegedly sent has been abandoned and erroneously filed by Pennymac and veteran home loans. I XXXX XXXX have not received any notices. And due to my XXXX of not being able to adequately communicate in legal jargon I believe the ADA needs to be alerted for taking advantage of a disable person and veteran. I will also file a complaint with TIGTA and the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: CA

Complaint narrative:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the 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 by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : Fraudulent account ( XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX ) Fraudulent inquiries XXXX XXXX XXXX date of inquiry ( XX/XX/2022 ), XXXX XXXX date of inquiry ( XX/XX/2022 ), XXXX XXXX date of inquiry ( XX/XX/2022 ), XXXX XXXX  date of inquiry ( XX/XX/2022 ), XXXX XXXX date of inquiry ( XX/XX/2022 ), XXXX XXXX XXXX date of inquiry ( XX/XX/2022 ), XXXX XXXX date of inquiry ( XX/XX/2022 ), XXXX XXXX date of inquiry ( XX/XX/2022 ), XXXX XXXX XXXX date of inquiry ( XX/XX/2022 ), XXXX XXXX XXXX date of inquiry ( XX/XX/2022 ), XXXX XXXX date of inquiry ( XX/XX/2022 ), XXXX XXXX XXXX date of inquiry ( XX/XX/2022 ), XXXX XXXX XXXX date of inquiry ( XX/XX/2022 ), XXXX XXXX date of inquiry ( XX/XX/2022 ), XXXX XXXX date of inquiry ( XX/XX/2022 ), XXXX XXXX XXXX date of inquiry ( XX/XX/2022 )

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 2023-02-16 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: IN

Complaint narrative:
This debt was paid in full as of XX/XX/XXXX of XXXX and house was sold. XXXX of XXXX they added a remark on my credit report saying collections account with {$0.00} balance. This is showing up as an active collection and I can not finance a home until this is removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: IN

Complaint narrative:
This debt was paid in full as of XX/XX/XXXX of XXXX and house was sold. XXXX of XXXX they added a remark on my credit report saying collections account with {$0.00} balance. This is showing up as an active collection and I can not finance a home until this is 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 non-monetary relief
Consumer complaint received 2023-02-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
In XX/XX/2020 I found out XXXX of my credit cards had been used to add 4 authorized users. My account was closed through no fault of my own i paid balance in an attempt to keep my credit good, the credit card company reported my card as charge doff even though i paid the account in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: NY

Complaint narrative:
There is account on my credit report that is not mine. XXXX XXXX {$1200.00} 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 2023-02-16 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: NC

Complaint narrative:
I filed a dispute with Experian because XXXX keeps reporting negative information on my report without providing me any proof that the debt is valid. 

Experian told this agency that they needed more time to invest my complaint on or about XXXX XXXX. A few days later, I got an email stating there is no error because company responded with a few sentences. As a result, I was given a site to upload information but shortly after using site, was unable to provide additional information as to why this debt does not belong to me. 

This is unethical and just a tactic used to keep me in bondage. The collection agency has not provided me with any information to proof that the debt belongs to me and neither has Experian. Therefore they should not continue to report negative information with out it being verified as in documentation and not just a bunch of sentences. See my proof below

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 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I pulled my credit report and I noticed the account SMALL BUSINESS ADMIN/ SBA XXXX. It is listed as a charge off. According to the IRS publication a charge off is a certificate of indebrness. A Charge off is income and you don't report income on a credit report nor did I receive a 1099C from the SBA.

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 2023-02-16 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX, South Carolina XXXX XXXX XX/XX/2023 I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXX XXXX Amount : {$1300.00} I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THIS ACCOUNT. IT IS FRAUDULENT AND I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY. 

This is my official request to have to aforementioned item to be deleted off my credit report. Enclosed may be additional evidence to support my claim.

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 2023-02-16 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: NY

Complaint narrative:
XXXX/XXXX/2023 I sent in letters expressing some items that I am in disagreement with on my credit report. I kindly request that you guys fix the errors on my 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 2023-02-16 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: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act TD Bank USA/ Target Credit XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/2020 I opened a business account with Citi bank. They let me withdraw XXXX & froze my account after the transaction & left XXXX of my money in the account. I tried to contact them and went to the branch that I opened my account ( XXXX XXXX XXXX XXXX, XXXX XXXX, CA ) & they would not release my funds due to them needing to do an investigation & years later my account is still on hold & I can not access my funds that I did nothing wrong to obtain. Everytime I call none of the specialist know or can tell me what's going on.

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 2023-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: NM

Complaint narrative:
XXXX cable claims I owe a debt that is not mine. I have received XXXX communication from them other than it popping up on my credit report. I cant get ahold of them without an account number which I do not have. Two of the credit bureau have deleted the debt but XXXX  claims the debt was verified. I honestly feel held XXXX by this. The debt is for {$300.00} and has been posted to my credit for over two months. The cable company doesnt even service my area and I have never had service with them. I have received nothing trying to collect the debt I dont owe but it adversely affecting my credit. I have not missed a payment on anything in over 20 years but here is a XXXX debt being extorted from me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: ACIMA CREDIT, LLC
State: IL

Complaint narrative:
In XX/XX/2020 I found out 1 of my credit cards had been used to add 4 authorized users. My account was closed through no fault of my own i paid balance in an attempt to keep my credit good, the credit card company reported my card as charge doff even though i paid the account in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: HI

Complaint narrative:
Was threatened to be sued in court. Multiple calls made during midnight, ( Hawaii Time ). They are trying to collect By someone who could have stolen my identity. 

The name of the person they are trying to collect on debt on is shown as : XXXX XXXX. 

My full legal name is : XXXX XXXX XXXX is also not the same per documents that were given by debt collector. They are also Illegally collecting interest and frequently reporting the change in amount every single month on my credit which harms my credit score every single month!!

Company response to consumer: Closed with non-monetary relief