vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-29 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: IN

Complaint narrative:
I recently received communication from XXXX, Equifax and XXXX attempting to collect an alleged debt. 
I send a letter to XXXX, Equifax and XXXX to cease and decease all communication immediately with a verification of the alleged debt with the following 1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? __ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : * Agreement with your client that grants COLLECTION COMPANY NAME the authority to collect this alleged debt. 
* Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector.

* Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. 
* All statements while this account was open. 
* Have any insurance claims been made by any creditor regarding this account? 
* Yes * No * Have any Judgements been obtained by any creditor regarding this account? 
* Yes * No XXXX, Equifax and XXXX never responded! 

Further More XXXX, Equifax and XXXX Are attempting to collect an alleged debt where the so called original creditor has falsely represent the character other Violations under 15 USC 1692 e that XXXX, Equifax and XXXX is implementing it self. 
Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) Furthermore XXXX, Equifax and XXXX unlawfully reported a debt to my consumer report in violation of REGULATION F, New Rule effective XXXX XXXX XXXX  Cease reporting this debt immediately or face legal action. XXXX, Equifax and XXXX lack permission to include anything on my credit profile ( 15 USC 1681b2 ) and contacting third parties with my personal information is illegal. Your actions amount to Aggravated Identity Theft ( 18 U.S.C. 1028A ), a felony punishable by up to 2 years in prison, in addition to civil liability. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 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: CarMax, Inc.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I was injured by a company 's product. They paid me by PayPal as an apology for the injury. It was a goodwill gesture made by person to person payment. I'll attach of a copy of the PayPal receipt. There was no service or goods rendered. I called PayPal to ask why I was charged a fee, and I was told that there's a fee for goods a services of 1.9 %... okay but this is NOT goods and services. I asked to refund the money to the sender so we could just avoid PayPal all together. The PayPal representative stated that too would incur an additional fee. This is ridiculous. There never should have been a {$2.00} fee. I want you to refund the money you took inappropriately. You shouldn't charge me any other fees. I never want anything to do with PayPal. Such a scam.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-29 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX  Account # XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX {$290.00}, XXXX XXXX XXXX {$560.00}, XXXX XXXX XXXX {$1200.00}, XXXX XXXX XXXX {$1900.00} 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 permission

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 2023-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I've made two previous attempts at requesting proof that this debt is indeed mine. They have not provided me the proof as required by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: NJ

Complaint narrative:
Company claims missed payments were made based on inaccurate account number because I " added XXXX XXXX  '' to the beginning of my external account number, meanwhile the company has an antiquated online payment system and there is no logical reason why I would pad my account number with XXXX. Even still, because of " company policy '', only after I submitted a complaint I'm not forced to make XXXX XXXX money order payments,

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 2023-06-29 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account name : progressive insurance Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account date : XX/XX/XXXX Account address : XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX MA XXXX Account name : XXXX. XXXX Account # : XXXX XXXX XXXX XXXX XXXXXXXX Account date : XX/XX/XXXX Account name : XXXX. XXXX/XXXX  Account # : XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX Account name : XXXX  XXXX Account # : XXXX Account date : XX/XX/XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account date : XX/XX/XXXX Account name : XXXX  XXXX Account # : XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX XXXX Account name : XXXX XXXX XXXX  Account # : XXXX Account name : XXXX XXXXXXXX Account # : XXXX Account name : XXXX. XXXX Account # : XXXX 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.

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 2023-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My account was hacked and the hackers ruined my bank account. My card was stolen and they stole {$1100.00} from the atm from my account. They also deposited fake checks and the bank is making me pay for it. The amounts were {$130.00} for four different fake checks. Also, they charged back my rent which was in the amount of {$1100.00} and they charged back my insurance payment twice which was {$300.00} per transaction so {$600.00} total. They then proceeded to XXXX XXXX themselves the rent and insurance that they disputed through XXXX XXXX and stole it. They XXXX XXXX themselves {$1200.00} one time then the next time it was {$420.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX 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 an 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 or 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
Consumer complaint received 2023-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I have a XXXX XXXX credit card which I am unable to use. I have been paying {$100.00} a month for over a year but the amount owed never goes below {$700.00}. I have had several issues with Comenity Bank and I really can't deal with them. I'm XXXX XXXX XXXX and every time that I have called them my XXXX and XXXX XXXX elevates.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-29 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX 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 an 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 or 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 2023-06-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: NY

Complaint narrative:
I was unaware that a mortgage that I had with XXXX was transferred to Fay Servicing. I discovered this through routinely checking my own credit report. XXXX is NOT on my credit report. The primary borrower is not communicating with me at all, including sharing loan information ( account number, payoff balance, monthly payment amount, correspondence with loan company, etc ). 
The ONLY knowledge I have has been provided through my credit report or through credit disputes. 
I would like to take responsibility for this loan to prevent further attacks on my credit. I am willing to have automatic payments withdrawn from my checking account even though I have NO ownership of the mortgaged property. I have sent a letter to Fay expressing my interest in making me the primary borrower & requesting more account information to allow me the access to do this. I have not had a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Subject : Removal of Unauthorized Hard Credit Inquiry, Fraud Alert, and Editing/Removal of Personal Statement I am writing to address several concerns regarding my Equifax credit report. Firstly, I would like to request the removal of an unauthorized hard credit inquiry initiated by XXXX XXXX XXXX XXXX ( XXXX ) from my credit report. Secondly, I kindly request the removal of an active fraud alert that is currently placed on my credit file. Lastly, I would like to address the editing or removal of my personal statement from my Equifax credit report. 

I recently discovered an unauthorized hard credit inquiry on my Equifax credit report that was initiated by XXXX. This inquiry was conducted without my consent or proper understanding. The user interface provided by XXXX was misleading and led me to believe that I was undergoing a pre-qualification process, rather than having my credit run for the purpose of initiating a hard inquiry. Under these false pretenses, I unknowingly proceeded with the actions on the XXXX platform that resulted in this unauthorized inquiry. Therefore, I kindly request the immediate removal of this inquiry from my Equifax credit report. 

Furthermore, there is currently an active fraud alert on my Equifax credit file. While I appreciate the initial placement of the fraud alert as a security measure, I have since resolved the fraudulent activity and no longer require the alert to remain active. Therefore, I kindly request the removal of the fraud alert from my Equifax credit file. 

Lastly, I would like to address the editing or removal of my personal statement from my Equifax credit report. I understand that circumstances can change over time, and I would like the flexibility to update or remove my personal statement as needed. 

Please note that I have attempted to resolve these matters through direct communication with representatives at XXXX XXXX XXXX XXXX. However, I have not received satisfactory assistance, which has led me to submit this request through the CFPB website. 

Thank you for your attention to these concerns. 

Yours sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc
State: FL

Complaint narrative:
I have a CFPB complaint against this company pending. That compliant has not been responded to by the original creditor and XXXX XXXX has continued to call me. which at this point is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: TX

Complaint narrative:
This is now my XXXX complaint with this creditor. The original creditor on this account is XXXX XXXX XXXX XXXX . However this account was sold off to Jefferson Capita in XXXX XXXX. Jefferson capital has admitted in their response that they're the current creditor and head creditor of the account. They also admitted in the letter that they started reporting on the account in XX/XX/2023. They're not aloud to report on my credit with it being a sold off account and report them selves as the head of the account and report on my credit. It is illegal to do so. Id like this account fully closed and taken off all XXXX of my credit bureau files

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
XX/XX/XXXX I just paid XXXX for my XXXX XXXX XXXX. I have been two weeks late on paying for 2-3 months now. Payment arrangements are allowed but late charges are still tacked on. They would not change my payment date from the XXXX of every month to the XXXX to solve this issue. Ive had this truck since XXXX. My interest rate it a LOT! Thats my fault for poor money management. But these unchangeable late fees will just add hundreds of dollars to my payment over time. Id like it looked into if possible. I got the truck for XXXX ish and after fees and credit acceptance it was XXXX over the course of payments. Just want to know if Im getting XXXX and what I should do

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 2023-06-29 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: SC

Complaint narrative:
My Correct Personal information : Name : XXXX XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXXXXXX, SC XXXX - Any other name variant of the name above should be deleted. 

- Any other address listed is not correct and needs to be removed. The above address is my residence.

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 2023-06-29 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
In XXXX of XXXX, I noticed charges on my card that I had not authorized. I called Ollo Card Services to make them aware and request assistance. I, initially, spoke with the disputes department. They told me that I needed to speak with fraud department. I did and was told that there would be an investigation. They removed the fees from my card. I thought that everything had been resolved. 

The next month, the charges reappeared on my statement. I called Ollo again and was told that they were new charges. I requested and received a new card because we figured the card had been compromised. The charges were removed again. 
This happened again the next month with the new card. I called Ollo again telling them that I believed that someone in the company had to be involved because there is no way that someone would have access to my new card. I requested and was given another new card. The charges were removed. 

When I received the final card, I immediately locked it. It has remained locked ever since. 

XX/XX/XXXX, I received a letter ( dated XX/XX/XXXX ) stating that they ( Ollo ) had decided to deny my claim and added {$620.00} back to my account. It said that I had 10 days to respond to the letter. I called Ollo again questioning why it was denied. I was told that they investigated and found that I must have done an online survey or agreed to pay for shipping on a product that resulted in the company, that I agreed to this with, selling my information. I stated that I hadnt done either of those things and asked for proof of that transaction. She said that it was done online and there was no proof. The agent stated that this is not fraud and that I needed to speak with the disputes department. I argued that that would be the very definition of fraud. She did not budge but stated that she would transfer me to the disputes department and stay on the line to explain my situation to the agent. 

She transferred me and hung up as soon as the agent answered. I spoke with agent. He told me that the charges were too old to be disputed. 
Basically, I talked to the disputes department and was told that I needed to speak with the fraud department. I spoke with the fraud department. It took them almost a year to tell me that I needed to speak with the disputes department. At that point, it is too late for the disputes department to act on it. 

I have told them that I am trying to purchase a home and that this is destroying my credit because they keep adding the fees to the card just before reporting it to the credit bureaus. 

Please help me get this resolved. I do not believe that I should have to eat these charges.

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