vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings
State: CO

Complaint narrative:
Recently I tried to apply for a car loan but to my surprise I was denied because of false inaccurate reports on my consumer report. I have acquired a copy of my consumer report on XX/XX/2022 and to my surprise Ad Astra Recovery Services was reporting FALSE INACCURATE information to my consumer report. On XX/XX/2022 I disputed This inaccurate information with Ad Astra Recovery Services nicely asking to remove the account for negligence and for violating my FCRA rights under 15 USC 1681 ( a ). 15 USC 1681 ( b ), 15 USC 1681e ( b ), 15 USC 1681e ( e ) ( 2 ), 15 USC 1681a ( d ) and Ad Astra Recovery Services is currently RE-AGING this account which is a violation of FCRA sec.605, and also fraudulent. PLEASE REVIEW ALL MY CONSUMER REPORTS FROM DATES OF XXXX TO SEE Ad Astra Recovery Services HAS BEEN ILLEGALLY AND FRAUDULENTLY RE-AGING THIS ACCOUNT UNLESS THEY CAN PROVIDE THAT I HAVE MADE PAYMENTS IN THESE TIME FRAMES.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: NJ

Complaint narrative:
I am a natural person, I'm a living human being, I have the rights under 15 usc 1681.

Equfax is governed by 15 usc 1681, and they violated my rights numerous times. I demand the accounts lited below be romoved because according to 15 usc 1681, I have the right to privacy. And I did not give Equifax written permission to furnish these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America has reported my status as past 30 days delinquent. However this payment was made on time on the app. However it was never applied. Bank of America acknowledged it was an error and reversed the late fee, but said they could not reverse the credit reporting. Because of their error, my credit score has decreased by XXXX points! I have lost all of my credit usage with other cards, and now I cant even get a car loan. I have never missed a payment in my life. I am hoping you can fight for me to rectify this situation.

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 2022-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Wells Fargo has been engaging in false misleading practices stating that I owe an alleged debt. I have sent multiple notices and correspondences and they still have not verified under perjury that I owe this alleged debt. They have voluntarily marked my consumer reports " late ' and never told the consumer reporting agencies that the account is being disputed which is also unlawful. They stated that the FDCPA does not apply to them but consistently uses language of a debt collector. They have refuse multiple tender of payments and demanded checks and/or cash and it is unlawful to demand anything. 
I have typed up a Cease and Desist notice demanding the following : 1. Documented evidence including books of accounting 2. Name and address of Original Creditor 3. A Federal stating that I the consumer owe this alleged debt 4. Proof that the corporation is not bound by Article 1 section 10 of the Constitution 5. That the " billing statement '' is really a credit owed to the consumer. 

I gave the company 15 days upon receipt of the notice to provide all that is demanded.

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 2022-08-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: CA

Complaint narrative:
I have contacted EdFinancial on XXXX to obtain a refund on student loan payments made during 2021 under the CARES act. I called a second time on XXXX to confirm and they confirmed that the request was submitted They did confirm that it is possible to obtain a refund, but cited a refund time of 150 business days ( approximately 7 months ). This is much longer than reports from borrowers using other loan servicers, some of who received refund timelines of 7-10 business days. This also could affect the current student loan forgiveness plan by the Biden administration in the event the refund is not processed before forgiveness goes into effect ( this is unclear, but sooner is better in this case ).

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 2022-08-31 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: CA

Complaint narrative:
I have repeatedly disputed XXXX XXXX credit card because its not mine and they refuse to remove it from my credit file. 

I also repeatedly have disputed XXXX XXXX XXXX AND XXXX XXXX XXXX because they have repeatedly failed to validate the debt and Ive never signed any type of contract with them or any company theyre claiming to represent. I want them off of all of my credit reports and XXXX XXXX Bank as well.

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 2022-08-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
We received notice that a Sheriff sale of our home was scheduled for XX/XX/2022 at XXXX, Eastern time by the collection firm of XXXX XXXX and XXXX XXXX XXXX. Attorneys at Law, XXXX XXXX XXXX XXXX, Suite XXXX, XXXX, Illinois XXXX. 
We immediately contacted the representative Bank of America, for the Master Servicer, XXXX XXXX, XXXX, XXXX XXXX, Bank of America XXXX and advised him my wife and I have a deed to the property at XXXX XXXX XXXX XXXX XXXX XXXX, Indiana XXXX, and signed authorizations from borrower XXXX XXXX XXXX ( See attached ) After we provided those prior signed authorizations to him, he stated they were sufficient for the prior master servicer XXXX XXXX XXXX XXXXk XXXX ( these two firms XXXX XXXX XXXX XXXX  XXXX XXXX have lied to courts of law they ever received these authorizations so as not to have to prevent us with a payoff letter ) but in order to discuss stopping the Sheriff sale and to allow him to send us a payoff so we could purchase the property as allowed by Indiana law before the Sheriff sale, Indiana Code Section 32-29-7-77 we had to provide him signed third party authorizations in their name. After he was provided same on XX/XX/2022, he left a voice mail Thursday XX/XX/2022, acknowledging he received it and saying he could now speak with us and he would respond in writing to our request for a payoff letter, cancellation of the Sheriff sale and giving us 90 days to obtain a VA mortgage ( I am VA certified as a veteran. See attached ). In violation of 15 U.S.Code Section 1630g, 15 U.S.C. Section 1611, FDCPA ( 15 U.S.C. 1692c ( b ) XXXX XXXX, XXXX, XXXX XXXX, Bank of America XXXX has not responded to our calls, nor has the collection agency.

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 2022-08-31 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: SC

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXXXXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy. 

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

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 2022-08-31 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: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX account number XXXX and XXXX XXXX XXXX aoount number 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 customer reporting agency can not furnish an 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 2022-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These Credit inquiries were done fraudulently and were never authorized by me. I unlock my Credit to have my employer do a background check only. I would like for these to be removed. 

There is also a telephone number on file for creditors to reach out to me incase credit is being applied for in my name and no one called me to verify. 

XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2022-08-31 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: SC

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX  XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: SC

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX  XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy. 

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

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 2022-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX has reported my status as past 30 days delinquent. However this payment was made on time on the app. However it was never applied. XXXX XXXX  XXXX acknowledged it was an error and reversed the late fee, but said they could not reverse the credit reporting. Because of their error, my credit score has decreased by XXXX points! I have lost all of my credit usage with other cards, and now I cant even get a car loan. I have never missed a payment in my life. I am hoping you can fight for me to rectify this situation.

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 2022-08-31 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX has reported my status as past 30 days delinquent. However this payment was made on time on the app. However it was never appliedXXXX XXXX XXXXXXXX XXXX acknowledged it was an error and reversed the late fee, but said they could not reverse the credit reporting. Because of their error, my credit score has decreased by XXXX points! I have lost all of my credit usage with other cards, and now XXXX cant even get a car loan. I have never missed a payment in my life. I am hoping you can fight for me to rectify this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXXXXXX XXXX has reported my status as past 30 days delinquent. However this payment was made on time on the app. However it was never applied. XXXX XXXX XXXXXXXX acknowledged it was an error and reversed the late fee, but said they could not reverse the credit reporting. Because of their error, my credit score has decreased by XXXX points! I have lost all of my credit usage with other cards, and now XXXX cant even get a car loan. I have never missed a payment in my life. I am hoping you can fight for me to rectify this situation.

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 2022-08-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Americas Car-Mart, Inc.
State: MO

Complaint narrative:
Company : America 's Car-Mart of XXXX MO XXXX Used car dealership ) Between XX/XX/XXXX to the end of XX/XX/XXXX. 
Vehicle ; XXXX XXXX XXXX XXXX ( XXXX XXXX  ) Price : just under {$11000.00} My credit was impacted wrong by unlawful report by both Dealership and lender due to dealership falsifying documents once vehicle was returned. The report was filed as repossession when in fact it was returned by me. The XXXX was a XXXX XXXX and when i took it for inspection the mechanic was checking the back brakes and realized the vehicles emergency break was not working properly and the only thing that was keeping the car still was a collapsed wheel hub that broke when he took tire off. So the only thing that kept the brake working was having the rear passenger tire on the hub so it stayed intact. Once i found out i just had my newborn son and when i took it back all the dealership had to say was why didnt you just keep it in gear so the car doesn't move. Knowing they sold me a faulty car that requires a XXXX XXXX since it is a XXXX XXXX they shrugged it off and i returned the vehicle. It was not repossessed because i didn't own it for more than month so i wasn't due a payment yet. This has messed up my credit and no one seems to care that this dealership risked our lives for a sale. I did not even realize this was a impact until recently when i started looking into getting a home loan and realized i have multiple credit reports when i only ever owned one credit card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: NM

Complaint narrative:
I'm a victim of identity theft. I have called and sent certified letters to ChexSystems to obtain XXXXyear extended security alert and PEMANENT Opt-out of prescreened promotions. I mailed ( via certified mail ) ChexSystems all the documents that they required to process the XXXX extended security alert and permanent opt-out of prescreened promotions, including ChexSystems notarized identity theft XXXXfidavit ( parts 1 and parts 2 ), copy of my FTC identity theft report XXXX copy of my NM driver 's license. I have received a letter confirming the XXXX opt-out of prescreened promotions. However, I asked for PERMANENT Opt-out and XXXX extended security alert and these have NOT been accomplished by ChexSystems. I also requested my free copy of consumer file disclosure. I would like cfpb 's assistance in this matter. 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 2022-08-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE
State: MO

Complaint narrative:
I was notified on XX/XX/XXXX of a Barclays Bank Credit Card opened in my name with all my information and that it was opened in the state of Ohio ( I have never been to Ohio ) and charges made online with it. It says it has a limit of {$950.00} and there have been {$240.00} of charges made on it so far. All THREE credit bureaus have refused to help me. They say my disputes are closed due to the information they found was accurate. A physical card was mailed to my home. I have called actual credit card 4 times since XX/XX/XXXX. They have told me 4 times that the account is closed. IT is NOT closed. charges keep coming in and the credit reports show it is open. I NEVER OPENED THIS. I have since put a freeze on my credit reports. I am begging for help. NO ONE IS HELPING ME. This was fraud!!!!!!

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 2022-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX that I owe Some account ending in XXXX. 
Synchrony Bank All my accounts were paid. 
XXXX XXXX Carecredit I keep getting harassing calls asking for personal information over the phone. I will not give it. They will not tell me who they are or what the debt is. 
I need help for them stop. 
Sincerely 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