vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-13 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: TX

Complaint narrative:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or XXXX party data furnishers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: Avant Holding Company, Inc.
State: AZ

Complaint narrative:
Its my card, however this company refuses to allow my any access to my statements/app to see my account or charges/my email is incorrect and they are sending my personal information to this random email. I have been trying to resolve this issue for months, they hang up on me, refuse to help, or put me on hold and never pick back up. I had XXXX horrible encounters again today and refused to help me. I had my lawyer write them with no luck with correcting my account. Please help me with this dishonest company!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: MA

Complaint narrative:
XX/XX/XXXX US Bank increased my escrow withholding {$980.00} each month ( {$11000.00} per year ) My total increase in Home Equity Insurance and Property for the same period increased {$690.00} XX/XX/XXXX US Bank erroneously projected a low balance of {$4400.00} based on incorrect calculation of my home owner 's insurance {$100.00} XX/XX/XXXX XXXX XXXX XXXX  withholds {$3800.00} as prepaid Home Owner 's Insurance XX/XX/XXXX US Bank Increased " Required Low Balance '' to {$2700.00} a 38 % increase from XX/XX/XXXX XX/XX/XXXX US Bank fails to abide by the XXXX XXXX stipulation " The sale of your mortgage loan to XXXX XXXX does not affect ANY TERM, payment or condition of the mortgage " by raising my " escrow unreasonably to usurious amount XX/XX/XXXX US Bank demands payment of {$700.00} to drop them from paying my own property taxes and homeowner 's insurance also failing to abide by XXXX XXXX XXXX XXXX Agreement

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 2022-12-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: AL

Complaint narrative:
I have previously received notice that this account was sold to XXXX XXXX for {$170.00} owed. After reaching out to them I was informed that XXXX had reclaimed ownership over the debt. I reached out to XXXX and was told that I owed {$320.00}. When I told the representative that I don't recall that amount they responded that it cost more because of unreturned equipment. 
I requested debt validation from XXXX and XXXX before the debt was sold again to a new collection agency. The final bill from XXXX reflects {$170.00} including unreturned equipment fees. I believe this proves that XXXX  and the current collection agency XXXX be reporting an incorrect amount owed Last bill reflects On XX/XX/2019 Previous Balance {$120.00} Unreturned Equipment {$78.00} Monthly Services ( XXXX ) - {$19.00} Total Due. {$170.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In XXXX  I was forced to file bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. The XXXX filed for a XXXX XXXX XXXX bankruptcy. Then for some reason, my attorney filed for me personally as well. He did this by mistake because he did not have to do this. The trustee, dismissed this and advised me that i only needed to file for the business, not personal. So i should not have a personal bankruptcy on my credit reports through the 3 bureaus. Only XXXX XXXX XXXX XXXX XXXX should have the bankruptcy filed.

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 2022-12-13 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: HYUNDAI CAPITAL AMERICA
State: MA

Complaint narrative:
Hyundai / XXXX reported false information to my credit report. That was not part of the contract please provide part of the contract that state that a state excise tax can be added to the vehicle monthly payments. 
They added an state excise tax bill as a monthly car payment where on the contract dose it say that the state tax and add on to vehicle lease payments. And that it can be reported as a missed payment of my leased vehicle. 

I also have an issue that I would like the CFPB to take a look at is I have Hundreds of receipts from bank and credit card statements of gasoline that was fueled, an avarage of XXXX gallons to fill up a XXXX  XXXX XXXX avarage gasoline cost of {$62.00} usd on avarage, that was leaking gasoline. Which they do have a recall only years later after owning the car all that lost of gasoline / money wasted I was filling up sometimes twice a week do to this issue would like to know if I could have some reimbursement of all the gasoline leak That occurred during the time that the problem went unknown during that first year And a couple of months and unable to find a time slot with Hyundai to get the XXXX resolved do to insuficiente availability on there website. 

Description of the recall : On XXXX & XXXX XXXX XXXX ( XXXX ) and XXXX ( XXXX ) vehicles equipped with XXXX GDI engines, the fuel pipe connecting the high-pressure fuel pump to the fuel rail may have been installed with insufficient torque during assembly. 

I would like that the CFPB Takes a look at Both of the matters for me please. I will also contact other resources for more support on this matter for the records. Thank you

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 2022-12-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I bought a car XX/XX/2022 and they added extra fees without my knowledge I was told the car was XXXX plus tax and title fees but after signing everything my grand total jumped to XXXX. I went back the next day to cancel my loan and give car back which I have emails to prove. They also sold a car with bad brakes and incorrect lights that had me driving the car with no lights. I had my kids in the car which was extremely dangerous. I then had a meeting with XXXX XXXX who said he would buy my car back for what he sold it to me for since I was so unhappy about the purchase. I asked him to put it in writing and he sends a completely different email. I get a copy of my auto contract from Ally financial and I also got a copy of contract from the dealership XXXX they are different. This dealership is fraudulent.

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 2022-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
XX/XX/XXXX they called : ( these are all XXXX time times ) XXXX AM XXXX AM XXXX AM XXXX PM XXXX PM XX/XX/XXXX XXXX AM XXXX AM XXXX AM XXXX AM XXXX AM XX/XX/XXXX XXXX AM XXXX AM XXXX AM XXXX AM XX/XX/XXXX XXXX AM XXXX AM XXXX AM XXXX AM XX/XX/XXXX XXXX AM XXXX AM XXXX AM XXXX AM XXXX PM XXXX PM XXXX PM XXXX PM XX/XX/XXXX ( today ) XXXX AM XXXX AM XXXX AM XXXX AM XXXX : XXXX AM

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-13 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: GA

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX homeless XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2022-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NJ

Complaint narrative:
I called Pennymac today ( XX/XX/13 ) and I asked about doing a three months forbearance due to financial hardship and they told me to just borrow money from friends and family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: CT

Complaint narrative:
I initially submitted my XXXX request to Mohela on XX/XX/XXXX. They only consolidated my loans in XXXX of XXXX XXXXr. The payment counts are incorrect between the XXXX consolidated loans even though both loans were taken out and later consolidated at the same time. I submitted a second updated waiver in XX/XX/XXXX but they still have not processed that. With the waiver my loans should be forgiven.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Incorrect personal information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In XXXX I was forced to file bankruptcy on a company that i own, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX. The XXXX filed for a Sub XXXX XXXX bankruptcy. Then for some reason, my attorney filed for me personally as well. He did this by mistake because he did not have to do this. The trustee, dismissed this and advised me that i only needed to file for the business, not personal. So i should not have a personal bankruptcy on my credit reports through the 3 bureaus. Only XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, should have the bankruptcy filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: MS

Complaint narrative:
I received a text thanking me for a XXXX purchase of {$640.00}. I do not have an active XXXX account. Text came from XXXX. Call number to follow up is XXXX. I did not call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: MI

Complaint narrative:
Ic systems and XXXX and XXXX add collection on my credit report causing damage to my score. These are fraudulent accounts

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 2022-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Comerica
State: IA

Complaint narrative:
I have card service direct from the federal treasury with direct express brought to my home electronics which are registered correctly for the card service. But, my full card features including card to card transfers are not unlocked. But, are needed my me to make and transfer payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Under 15 USC 1681 Section 602 states I have the right to privacy.

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

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

I have reached via letter several times to rectify these issues, but have not received any valid updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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:
I am complaining about all the negative items on my credit report per15 U.S. Code 1681 : ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2022-12-13 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: NAVY FEDERAL CREDIT UNION
State: AR

Complaint narrative:
I had my identity stolen and submitted the police report to XXXX to have the following accounts removed because they do not belong to me : All Navy FCU accounts that have balances of {$9100.00}, {$9000.00} and {$6300.00} on my credit report ( there are XXXX ) Also I ask that all Navy FCU hard inquiries dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and another on XX/XX/XXXX I did not authorize these inquires nor did I apply for any of these accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: MoneyLion Inc.
State: FL

Complaint narrative:
I started a credit building service with MoneyLion. They put {$1000.00} into a reserve fund and I never received the money. I was told that I would make increment payments towards the balance at {$22.00} a week plus {$4.00} service fee a month. After approximately 5 installments paid, I informed them that I no longer wanted the credit building or Money Plus line. To date they have not contacted me or allowed me to close the account, however, on XX/XX/XXXX my credit score on all 3 bureaus dropped XXXX points because of a derogatory remark from MoneyLion ( please see below ). I do not owe them the money because I never received it. I do not want their services, but they refuse to help me cancel my account. 

MONEYLION INC has flagged your account as 30 Days Past Due on XX/XX/2022. 

Source : XXXX XXXX : MONEYLION INC Address : XXXX XXXX XXXX, XXXX, UT XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( 30 Days Delinquent ) Balance Date : XX/XX/2022 Balance : {$900.00} What now? 

Negative activity can have a significant impact on your credit score and how lenders see you as a borrower, affecting your ability to get credit. 

After you've resolved the negative activity, try XXXX XXXX to raise your XXXX  Score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In 2019 I was forced to file bankruptcy on a company that i own, XXXX XXXX XXXX 's XXXX, XXXX. The XXXX filed for a XXXX XXXX XXXX  bankruptcy. Then for some reason, my attorney filed for me personally as well. He did this by mistake because he did not have to do this. The trustee, dismissed this and advised me that i only needed to file for the business, not personal. So i should not have a personal bankruptcy on my credit reports through the XXXX bureaus. Only XXXX XXXX 's XXXX, XXXX, should have the bankruptcy filed.

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 2022-12-13 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: LEXISNEXIS
State: GA

Complaint narrative:
On several occasions I've been trying to resolve the issue with XXXX 's XXXX they have a phone number on file that does not belong to me or my business not in the past and not currently. I went through the dispute process that took over 90 days and they concluded that the information was verified and accurate. Even though I told them numerous occasions that the number does not belong to me or my business they claim it's verified. XXXX XXXX refuses to remove the phone number that does not belong to my business which causes me to get credit denied by banks because they can't verify my phone number that XXXX XXXX has as inaccurate information.

Company response to consumer: Closed with explanation