vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
The following accounts have violated my consumer rights : MIDLAND CREDIT MANAGEM : Acct # XXXX Violations : False credit info communication ( 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ).

Communicating false credit info ( 15 U.S.C. sec. 1692e ( 8 ) ).

Threats, obscene language ( 15 USC 1692d ( 1 ) & ( 2 ) ). 
Postcard communication, improper language/symbol usage ( 15 USC 1692F ( 7 ) & ( 8 ) ).

Seeking prompt resolution per Metro2 guidelines. XXXX reports info excluded under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), breaching Metro2 compliance. Immediate action requested, including deletion of derogatory info.

Accounts in collection without IRS Form 1099-C violate 26 USC ss 6050P. Request deletion within 30 days. Non-compliance will result in IRS forms 3949A and 211 filings. 

Prompt attention and resolution expected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upstart Holdings, Inc.
State: AZ

Complaint narrative:
{$17000.00} reported on my credit Bureaus. This is NOT my account. Our credit alert informed us of credit account opened in my name. I have no knowledge of this account. I reported to XXXX XXXX, XXXX. the company that opened this account IS Upstart Holdings Inc XXXX XXXX XXXX XXXX XXXX XXXX, CA., XXXX. Upstart asked me to confirm my information- and I did provide them the information. Upstart claimed they had NO Record of my having any account even after Upstart Verified this account with all 3 of the credit bureaus. Upstart Holdings asked my permission to do a credit application account and I Refused. this account was opened XX/XX/2023 and the credit bureaus reported that I have made 2 payments. this IS Fraud and Upstart claims they have " no knowledge ". This is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC.
State: NE

Complaint narrative:
I had a XXXX XXXX XXXX leased through Ally Bank. No problems. A month or two ago I checked on the end-lease options on the website to see how much it would cost to buy-out the lease. The cost was approximately {$16000.00}. I debated for awhile if I wanted to buy out the lease, or if I wanted to trade in the vehicle on a new car. Eventually I decided to trade. I worked with XXXX XXXX ( XXXX XXXX ) to purchase a XXXX XXXX XXXX. They valued the XXXX at {$21000.00}, which I thought was great as it meant I would have equity in the new vehicle. Then I found out the payoff they got from Ally was a different amount than the amount I had gotten. The dealer was provided the residual value, which was {$22000.00}. This meant I went into my new car XXXX down, as opposed to with equity. I didn't realize this initially, which is on me. My complaint is that it is an unfair and deceptive practice for a customer to be quoted XXXX payoff amount, and a dealership to be quoted another. This means I now owe a lot more on my new vehicle than I would have if I had simply paid off the XXXX XXXX and then traded it in. I was never informed that taking those steps would save me money by the dealership, then again, they never saw the {$16000.00} that I was quoted, only the higher number. Ally Bank made money off of this deal that they shouldn't have, causing both myself and the dealership a loss of money. Mind you, a car dealership can stand to lose a few XXXX without the same pain as the average costumer. I don't think any financial institution should be allowed to quote different amounts for a customer and the business paying off a loan on behalf of a customer. 
For research purposes, my XXXX is XXXX, and the account number for my loan with Ally was XXXX. Please delete these last lines if posting.

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 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XX/XX/2023 I received an email from XXXX XXXX XXXX Department of Education stating that my Student Loans have been forgiven and that all XXXX Credit Bureaus would be notified on my student loan forgiveness. 

As of this date, my credit reports still have not updated my accounts to reflect the information and I have filed disputes only for them to be returned as verified ; which is not true. 

The attached invoice shows the accounts PAID IN FULL.

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 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XX/XX/2023 I received an email from XXXX XXXX XXXX Department of Education stating that my Student Loans have been forgiven and that all XXXX XXXX XXXX would be notified on my student loan forgiveness. 

As of this date, my credit reports still have not updated my accounts to reflect the information and I have filed disputes only for them to be returned as verified ; which is not true. 

The attached invoice shows the accounts PAID IN FULL.

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 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On XX/XX/2023 I received an email from XXXX XXXX XXXX Department of Education stating that my Student Loans have been forgiven and that all XXXX Credit Bureaus would be notified on my student loan forgiveness. 

As of this date, my credit reports still have not updated my accounts to reflect the information and I have filed disputes only for them to be returned as verified ; which is not true. 

The attached invoice shows the accounts PAID IN FULL.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Here are the inquires and dates 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 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

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 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Here are the inquires and dates 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XXXX XXXX XXXX  I thought I was paying my XXXX card XXXX. By mistake I sent the money to American Express ( who used to manage credit for XXXX ). Only because I have a present account with American Express would American Express talk to me. They confirmed they have received a check for the amount I had sent from my bank. I have the PROOF OF PAYMENT from my bank. They concur the money was sent to American Express. After American Express confirmed they had the check they had to open an " investigation '' and a " dispute. '' It is thirty days and though they said they have a resolution but can't tell me what it is. Only a very limited number of people in the " back-end '' know the answer and I can't talk to any of them. This is my money, {$570.00}. If I were late by a cent for a credit card bill I would be hit for interest for the entire amount of the bill not the XXXX late cent. I have been without my {$570.00} for a month, I doubt I will be receiving interest on it. I am frustrated and angered by the XXXX and treatment. If they know the money isn't theirs aren't they obligated to return it? How long can they keep the money that isn't theirs?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Two fraudulent charges made on my account on the same day. First was a with-drawl of {$7100.00} from a fraudulent check and another in the amount of {$2500.00} made using a fraudulent E-with-drawl. Wells Fargo reimbursed the first fraudulent transaction but closed the claim on the second stating that I gave permission to with-drawl. I am in the military and at the time of the transaction I was conducting a training rotation in XXXX XXXX, CA. No one else has access to my card, nor have I ever given anyone permission to with-drawl funds from my account. These transactions happening on the same day within hours of each other does not seem to be suspicious to the Wells Fargo Fraud Investigation team and need some help getting my money back.

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 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have submitted letters to them via XXXX XXXX, mail & via XXXX app, I am resending this letter to get validation of the debt and will need a response within XXXX days, the only send letters stating that the debt is verified but not how it has been verified or anything

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
Honda financial services is not sending me the documents I need to register my leased vehicle in the XXXX of NY. They have kept me waiting for XXXX weeks so far. Every time I call, the representative I talk to feeds me lies and starts gaslighting me, with absolutely no reason. I keep paying for a car that I can not use. This is causing me major issues with my job and affecting my mental state and my anxiety. I want my documents and Honda must send them to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have contacted XXXX and TransUnion to remove fraudulent items off my credit, I provided them with an identity theft report but they still have not removed said items. The accounts in question are as follows : XXXX XXXX {$2300.00}, XXXX XXXX XXXX {$0.00}, XXXX BANK- XXXX {$900.00}, XXXX XXXX XXXX BANK - XXXX {$340.00} These accounts have been removed from XXXX, but I need them removed from TransUnion and XXXX. 


I am attaching an FTC report and I dispute that I sent all three credit bureaus a few months ago

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 2023-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
XX/XX/2023 : International Money transfer initiated with western union for USD XXXX. 
All requested documents for verification provided during the transaction Email confirmation with XXXX as XX/XX/XXXX ( credited at recipient 's account ) sent by Western Union Money debited from my bank account XX/XX/2023 : No money credited in recipient account. When checked transfer status online said " The transfer is on hold and pending verification from the sender. For details, read more about the verification process. ". 
Contacted western union why transaction was put on hold. 
After calling customer service, the representative confirmed all requested documents were provided by the sender on XX/XX/XXXX, but they had a technical glitch and have escalated internally to resolve and credit money to the recipient account as soon as possible ( with XXXX XXXX when asked ). 

XX/XX/2023 : After XXXX hours, money still not credited, followed-up again and we got the same response. We were transferred to several customer service representatives with no resolution. The last customer rep in this call ( for over XXXX hours ) hung up on us after XXXX minutes of hold and did not bother to call back to give an update. 

XX/XX/2023 - XX/XX/2023 : We tried to call again in XXXX hours for rest of the week, still no update. Same message- we have escalated internally and money should be credited within XXXX hours. 
We have been trying to follow-up for the last 10 days but no resolution or an ETA to credit our money nor Western union is able to confirm where our money is.

Western Union is offering to cancel the transfer but will take around 7 days to refund my money with no clear ETA. 

We are incurring financial loss everyday with money not credited at recipients account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date of XXXX XXXX RE : Investigation Request to Delete Incorrect collection history To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : XXXX. XXXX XXXX XXXX ( Capital XXXX ) { alleged acct open date } XX/XX/2018 { Reason for Dispute } account not mine, fraudulent reporting, delete immediately, does not reflect on XXXX or XXXX. 

I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results Truly, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I went to use my credit and was told that it showed I owed Child Support Payments. I called XXXX, XXXX and Equifax to inform them that there was incorrect information and was told to send in a dispute. I do not know how this happened as I make all my payments and this incorrect reporting is affecting me growing my finances. I am providing proof of my child support payments that are automatically taking out of my paycheck weekly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, 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 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
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
XXXX in my mailbox that um not aware of they keep calling also also need it removed from my credit report

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation