vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-31 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 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 non-monetary relief
Consumer complaint received 2023-07-31 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: TN

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
*THIS IS NOT A DUPLICATE COMPLAINT, THIS COMPLAINT IS IN RESPONSE TO COMPLAINT # : XXXX I am writing this letter to formally lodge a complaint against Cavalry Portfolio Services , LLC regarding your abusive , deceptive, and unfair collection practices in the collection of extensions of credit. As a federally protected consumer, I am deeply concerned about the conduct of your company, and I believe it is essential to address the issue promptly.

I refute any alleged agreement or contract, whether implied or explicit, between myself and the original creditor. Moreover, I have never provided any consent for your company to possess my nonpublic personal information. This account is, in fact, a billing error, and I expect you to provide me with documentary evidence of the obligor 's indebtedness.

Additionally, I have reason to believe that Cavalry Portfolio Services , LLC is conspiring with consumer reporting agencies to cause a restraint of trade and commerce, which amounts to racketeering activity. Such actions are in violation of the False Claims Act and are seriously jeopardizing my consumer credit reputation with other financial institutions. By fraudulently furnishing this alleged debt to coerce payment, your company has resorted to threats, duress, and coercion, thereby exercising undue influence.

I want to make it clear that I am legally refusing to pay this debt under the provisions of 15 U.S. Code 1692c ( c ). Therefore, I demand an immediate cease and desist of all illegal activity, communication, and collection efforts related to this and any alleged debts until Cavalry Portfolio Services , LLC provides sufficient documentary evidence of my legal obligation to pay.

Failure to comply with this cease and desist notice will leave me with no choice but to pursue legal action for actual damages caused. In such a scenario, Cavalry Portfolio Service
s , LLC will be held accountable for violations of various acts, including but not limited to TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT, and RICO Act.

I hereby request that you promptly provide me with the necessary documents supporting your claims. The receipt of this notice invokes my rights under UCC 1-202f, and I expect a timely response from your company.

Your immediate attention to this matter is both requested and required. I anticipate a resolution within [ state a reasonable timeframe, e.g., 30 days ] from the receipt of this letter.

Please consider this as an opportunity to rectify the situation and resolve the matter without resorting to legal proceedings. I trust that you will treat this matter with the seriousness it deserves and act in accordance with the applicable laws and regulations. 

( ACCOUNT NUMBER : XXXX ) Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT

Complaint narrative:
Mountain America works with a dealership who specifically sells branded/salvage cars. But on their website, it clearly states that they will not lend to branded or salvage cars.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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: CORELOGIC INC
State: MI

Complaint narrative:
Multiple names and address appear on my credit report .I have provided my drivers license showing my name.No other name besides whats provided on my driver 's license and no other address should appear on my consumer 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 2023-07-31 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Multiple names and address appear on my credit report .I have provided my drivers license showing my name.No other name besides whats provided on my driver 's license and no other address should appear on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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: FL

Complaint narrative:
Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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 2023-07-31 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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. 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 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 2023-07-31 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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. 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 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 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Please see attached files. Dear CFPB. I have tried unsuccessfully with Equifax to get to report accounts that should be on my credit report. Their website, www.myequifax.com, is only reporting one account of which I was added as an authorized user ( XXXX XXXX ). All of my primary accounts are not reporting to this site. A couple of weeks ago I called them to have the address on my file updated to my current address as I have since moved from the address they initially had on file. I was advised to submit a dispute. I did so. They updated my address but in doing so they removed all of the accounts that were reporting to my credit report with the exception of one. Ive called them a few times since then and still these accounts are missing from my credit file. There are 6 accounts not reporting. I want these accounts added to my credit profile immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CONTRACT CALLERS INC
State: NJ

Complaint narrative:
Attempting to collect an alleged {$840.00} public utilities bill which was from the COVID-19 National Emergency Declaration and the state of New Jersey Declaration . The debt was handled by the LIHEAP  and was assigned a case number and processing info. 

The amount claimed was declared under the COVID-19 emergency and was NOT owed based on COVID-19 laws as well as communications which was sent to the utility company directly. 

No communication was made with CCI Contract Callers Inc., an independent third-party company that purports itself to collect debt for XXXX. No written communication was sent by CCI confirming their ownership of this debt as XXXX generally handles collections internally and will contact consumers first, but none of the above was done. 

CCI has attached itself to credit profiles and has added Grid Codes to the credit files in question and has not satisfied, in accordance with, the FDCPA and/or the FCRA their right to take such action which is a violation of both FDCPA and FCRA.

CCI is not known to have conducted any business with me directly and is unknown.

The debt in question falls within the protected COVID-19 emergency and extended emergency period within the State of New Jersey and is, therefore, exempt from collection efforts as it was assigned to LIHEAP.

CCI has many complaints for incorrect collection practices and is NOT an honest company as they are delinquent in paying their bills including employees which is a violation of State and Federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am being charged for a transaction from XXXX, from XXXX, that I never received, now I dont have XXXX account, its XX/XX/2023 and woke up to a surprising amount in my account want negative 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 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I've been fighting XXXX XXXX XXXX XXXX that I didn't open that continues to report on my credit report. It's reporting on my record as charged off of sold to another company after our being already removed only to be replaced after a year! I put in the last request for is to be validated on the XXXX of XXXX for them to tell me that XXXX told them the information was correct. I contacted XXXX and they told me that the credit card company told them the information was correct.

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 2023-07-31 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Klarna AB
State: IL

Complaint narrative:
on XX/XX/2023 i had ordered an XXXX XXXX XXXX XXXX  through the klarna app. The next morning i got an email from XXXX saying that there was a problem with my order so i just cancelled it thought the XXXX  website. I guess klarna didnt get the cancellation and they charged me {$580.00} for the phone like if i had received it. I contacted them and i told them i had cancelled the order, they told me that it does look like it was cancelled and that it would go through on XX/XX/XXXX and in 5-7 business days i would get a refund. I reached out to them on XX/XX/XXXX again because i was still concerned about my money and then they told me that they didnt see that klarna received a cancellation. i was confused because i thought that they were going to give me my money back 5-7 business days and its now been almost two weeks and i still havent gotten my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CL Holdings LLC
State: IN

Complaint narrative:
This XXXX XXXX they have listed incorrect on my credit and I have been working my hardest to Fix my credit and the reason I am sending It's because the amount is incorrect and the dates are way off They have my account listed as two years old And the account is From XXXX and I need this resolved I'll deal with XXXX and if you want look at my payment history it is XXXX percent and I paid and closed account in XXXX but a new credit delinquent debt showed up XXXX as of it was new and this is ridiculous I've asked over and over for proof of this account and the address and dates nothing yet

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
My account with KIA Motor account # XXXX is reflecting a late pay in XX/XX/2023. This is not accurate the full account was paid off in XX/XX/2023. I have a receipt from XXXX showing Kia received the full payment and the check clearing on XX/XX/2023. I am in the midst of a mortgage and this is harming 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 2023-07-31 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I am writing to bring a concerning issue to your attention regarding my home equity line of credit ( HELOC ) with Bank of America. To my dismay, I discovered that my HELOC was abruptly cancelled without my consent, and what is even more disheartening is that I received no prior notification about this decision. My attempts to seek clarification from the bank have been met with unresponsiveness, as they provided no information regarding the cancellation. Despite being told that my query was submitted, I have not received any updates or explanations for several weeks now. Once again, upon reaching out for further clarification, I was met with silence, leaving me deeply troubled and concerned about the violation of my rights as a consumer. 

I would greatly appreciate your assistance in investigating and resolving this matter promptly. Thank you for your attention to this issue.

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 2023-07-31 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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. 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 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 2023-07-31 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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. 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 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 non-monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

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 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # 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. 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 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 explanation