vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-03 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: CA

Complaint narrative:
In regards to XXXX XXXX account XXXX  XXXX This is void contract/void agreement. 
According to your installment contract number XXXX dated XX/XX/2021 states : The minimum public liability insurance limits provided in law must be met by EVERY PERSON who purchases a vehicle. 

In fact I never had auto insurance & never provided XXXX with auto insurance of any kind that has XXXX XXXX  name associated with the policy. 
Your INSURANCE REQUIREMENTS section on the contract states YOU AGREE TO HAVE PHYSICAL DAMAGE INSURANCE COVERING LOSS OR DAMAGE TO THE VEHICLE AS LONG AS THE AMMOUNTS ARE OWED UNDER THIS CONTRACT I never had auto insurance of any kind to qualify for the vehicle or the ammounts owed under the vehicle. The original seller of the car did not check all requirements because one clear requirement is ALL PURCHASERS OF VEHICLES MUST PROVIDE INSURANCE PRIOR TO GETTING POSSESSION TO VEHILE. The insurance section has XXXX XXXX signed as a requirement for the insurance but XXXX XXXX did not provide insurance therefore this contract is incomplete, voided, & false to say the least. Im demanding EXETER finance to remove the account from my name & credit file immediately due to me not legally being under contract with the 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 2023-07-03 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:
In regards to XXXX XXXX account # XXXX This is void contract/void agreement. 
According to your installment contract number XXXX dated XX/XX/2021 states : The minimum public liability insurance limits provided in law must be met by EVERY PERSON who purchases a vehicle. 

In fact I never had auto insurance & never provided XXXX with auto insurance of any kind that has XXXX XXXX name associated with the policy. 
Your INSURANCE REQUIREMENTS section on the contract states YOU AGREE TO HAVE PHYSICAL DAMAGE INSURANCE COVERING LOSS OR DAMAGE TO THE VEHICLE AS LONG AS THE AMMOUNTS ARE OWED UNDER THIS CONTRACT I never had auto insurance of any kind to qualify for the vehicle or the ammounts owed under the vehicle. The original seller of the car did not check all requirements because XXXX clear requirement is ALL PURCHASERS OF VEHICLES MUST PROVIDE INSURANCE PRIOR TO GETTING POSSESSION TO XXXX. The insurance section has XXXX XXXX signed as a requirement for the insurance but XXXX XXXX did not provide insurance therefore this contract is incomplete, voided, & false to say the least. Im demanding XXXX finance to remove the account from my name & credit file immediately due to me not legally being under contract with the 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 explanation
Consumer complaint received 2023-07-05 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: FL

Complaint narrative:
Today, I am sending my CFPB complaint to you to notify you that the XXXX credit bureaus neglect to correct the inaccurate account on my credit file. This account has several error. The payment history and date last activity are inaccurate as the references to late payment. I was never late in paying. Under the Fair Credit Reporting Act, Im going to have to request proof of last payment and payment history.The bureaus are reporting false information and I believe the company is violating Sections 605b of the FCRA. Kindly help me correct this account : XXXX XXXX XXXX XXXX Balance : {$300.00}.

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 2023-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Capio Partners, LLC
State: TX

Complaint narrative:
These accounts do not belong to me Ive been trying to figure out what these accounts are Ive never open any of these accounts Ive been calling an getting no answer these accounts are making my credit go down.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: GA

Complaint narrative:
XXXX is charging me XXXX dollars for a course that was never completed. They clearly did not explain me owing them the amount of XXXX dollars. A company called I C System is currently in charge of the settlement.

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 2023-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada)
State: AZ

Complaint narrative:
A storage unit keeps saying I owe them money I've never even lived in that state. I called and spoke with the storage unit manager they even stated it's not me. The debt collector keeps putting it on my credit. Need this resolved and they keep harassing me on my phone I already proved it is not me

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 2023-07-05 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: TN

Complaint narrative:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortionXXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$910.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX Balance : {$5100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$950.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX XXXX : {$890.00} XXXX XXXX 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 explanation
Consumer complaint received 2023-07-03 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Transworld System is trying to collect on behalf of XXXX XXXX XXXX XXXX. This account is off my report by law, since it has been over 7 years. And isn't it true that according to the Statute of Limitations debt collectors can not collect after 4 years? Once again it has been 7 years! This company is illegally trying to collect a time-barred debt! I know about the FDCPA laws, and I kindly ask that this company to cease all communication with me. They keep calling me saying I owe them {$21000.00} I have never signed a contract with them, have never paid them nor do I owe them one cent! I am sending you this as proof that I have not paid them. 

Thank you in advance for investigating this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 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: EQUIFAX, INC.
State: NY

Complaint narrative:
AS OF XX/XX/XXXX I HAVE DISPUTED THIS FRAUDULENT ACCOUNT LISTED BELOW THE COMPANIES INVOLVED ARE IM VIOLATION OF THE " FAIR CARES ACT " LAW THEY TOOK MORE THAN 4 MONTHS TO RESPOND XXXX XXXXXXXX XXXX 25 POTENTIALLY NEGATIVE MONTHS Credit usage 100 % Balance {$810.00} Balance updated XX/XX/XXXX Credit limit {$500.00} Account info Account number XXXX  Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Payment summary 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PAYMENT HISTORY LEGEND Status Account charged off. {$810.00} written off. {$810.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$810.00} Highest balance $ XXXX Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments Account closed at credit grantor 's request Your statement **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to 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. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-07-05 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Servion, Inc.
State: WI

Complaint narrative:
Servion keeps making payments to home insurance companies ( out of my escrow ) that I am not doing business with. Last year, the same thing happened. I go out and get quotes, next thing I know, I get notices in the mail that Servion has sent out a bunch of money from my escrow. I did not approve this change in insurance or tell Servion that I was changing insurance companies. This is a big problem because It takes FOREVER to even get someone on the phone to get corrected. I have been on the phone with Servion for 2 hours tonight and no one can get this straightened out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX used deceptive practices and false information to get the CFPB to close a previous complaint without a resolution. 

They claim they are legal representation of the original creditor but failed to send me any documentation of such. They only sent me a letter saying they're a debt collector regarding the account. 

The CFPB did not require them to provide written documentation to provide they advised me they are representing the original creditor in the ongoing legal matter with the original creditor. 

If they are, in fact, the legal representation of the original creditor they sent me a letter stating they are a " debt collector '' dated XXXX XXXX about the account and alleged debt and made no mention as legal representation. They failed to send a legal response to the Affidavit of Truth sent to the original creditor on XXXX XXXX nor the Affidavit Non Response notice dated XXXX XXXX. So in fact, they are a debt collector as I have no written proof from XXXXXXXX XXXX XXXXXXXX stating otherwise. 

I am requesting the Ombudsman office handle this complaint and DO NOT CLOSE IT STATING IT WAS PREVIOUSLY RESOLVED. THE ISSUE IS ONGOING AND NOT PREVIOUSLY RESOLVED BY THE CFPB.

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 2023-07-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Professionals, Inc. (Macomb, IL)
State: IL

Complaint narrative:
Collections contacted me through mail XX/XX/2023 regarding a debt with an old psychiatrist bill for the amount of {$810.00}. I was never informed of this balance due prior to the collections letter, I have called and disputed this claim. I was then sent statements that I had never saw regarding this debt to the doctors office for the first time. I have contacted the doctors office where I was screamed at through the phone and hung up on. This amount is not something I was properly notified of owing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
UN-AUTHORIZED INQUIRIES 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 XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I took XXXX to XXXX XXXX XXXX XXXX ( Texas ) looking for a vehicle I could drive for XXXX. The Finance manager, XXXX XXXX, told me the payments for the car a salesman showed me would be about {$580.00} a month. I told him I couldn't afford that much, so he said " Let 's try this '' and asked me to sign the loan application blank. I did so, and he told me to take the car home because they had kept me there until closing time. 
A week later I received the loan approval in the mail, stating that the payments would be {$680.00} a month. My insurance company said the insurance would be about {$500.00} a month. I called the dealership asking to return the car and XXXX ,. XXXX said it was no longer their responsibility, that they sold it to Chase Bank. I tried to contact Chase and had to wait until the loan information was in their computer to discuss it with them. 
When I was finally able to talk to someone their representative told me they would sell the car for me but I would have to sign a letter stating I would pay the remainder owed. 
After receiving a late notice for the first payment I called Chase and asked them to sell the car. I just received a bill for {$12000.00} from chase and the auto insurance cost {$910.00}, plus losing the {$1000.00} down payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
This is in reference to my complaint ID XXXX. I have sent several secure messages through Ally Bank to try and a Letter of Indemnity ( LOI ) for my initial complaint with Ally Bank. I wanted Ally Bank to send XXXX LOI to the mailing address on file and another to a fax number that was provided to me by XXXX XXXX ( XXXX XXXX XXXX XXXX ). In my previous complaint, they claim to have sent an LOI on XXXX occasions. I reached out to Ally Bank asking how it was sent over and I did not receive any receipts. On XXXX occasion I was told it would be 7-10 business days from the date my case was made on XX/XX/2023. In this message, I was told that your issue has been escalated to the highest level in our Executive Customer Relations. Today XX/XX/XXXX I messaged Ally Bank to get a response What Ive done to better assist you is to request to have your request escalated. Please allow XXXX business days to process the request. I do not understand how something can be escalated past the highest point of escalation. They did mention in the same message, I do not see that the letter has been sent out at this time. It appears there were no issues sending out the LOI previously. There seem to be no receipts on previous attempts to send out this letter. I asked Ally Bank if it was possible to send via secure messaging and this was not possible. If Ally Bank could even email me the letter or even submit it as an answer to this claim that would be appreciated.

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 2023-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was sent a bill from Capital One Quick Silver a few months back. I was told they would do an investigation. The amount back then was over XXXX XXXX dollars. I never ordered a card in my name. 

I believe I am the victim of identity theft due to certain information about my college, date of birth, and work activity and my face was on XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: TX

Complaint narrative:
I called because my account had some unauthorized or unrecognized transactions. I could barley understand the rep so I told her I'd call back the next day. Well she then disputed every transaction to which they ended up juet closing my account and sending me a check for XXXX they completely forgot and kept about XXXX of that. Previously in the last two weeks of my account a person was reassigned the phone number I had for 20 years. They were logging into my banks, school, cashapp, irs, using two step verification. I tried to explain that to chime and they sent me several emails stating they're sending my remaining money via check, only it was missing about XXXX grand.

Company response to consumer: Closed with explanation