vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-10 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: MD

Complaint narrative:
I recently pulled a copy of my credit report and noticed a lot of inaccuracies and inconsistencies. I sent in certified letters to the credit reporting agencies to get the reported information verified and they said all the information on the report was accurate. 

After the verification process I checked my credit report again and noticed the same inaccuracies as before after a new thorough research Below are the inquiries I am disputing : Creditor Name - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act the above accounts has violated my rights. 

Section 604 - 15 U.S. code 1681 B - This law states the the bureaus don't have any right to report anything on your credit without your permission. 

Section 605 A - 15 U.S. code 1681 C-1 states that without consent to share your information it is identity theft Section 605 B - 15 U.S. code 1681 C-2 states if you are notified of anything on your credit it is identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
Interest is over 21 % for a 2008 vehicle. Dealer never told me this insane rate and vehicle had countless issues and no response from dealer. Credit acceptance harassed me as i lost job to repay screaming shouting, this company is tortur

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 2023-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CrossCountry Mortgage LLC
State: CA

Complaint narrative:
I have a Cross Country Mortgage. I can not get their software to work to make a payment. I have been trying for weeks. Weeks ago they told me they knew of the problem and it would be fixed. It has not been fixed. The software does not accept my password, nor does it send a link to another email to re-set the password. I have tried countless times to re-set my password with no luck. They have turned my account over to a collection agency. Meanwhile, I tried phoning Cross Country Mortgage on their number XXXX. I get nothing but silence. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: GA

Complaint narrative:
In accordance with the fair reporting credit act ; The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Accounts : XXXX XXXX {$680.00} - - -No Data XXXX XXXX {$680.00} - - -No Data XXXX XXXX {$680.00} - - -No Data XXXX XXXX XXXX XXXX {$700.00} - - -No Data XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$560.00} XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A. States I have a right to Privacy.

15 USC 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 7 years.

15 USC 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 2023-02-10 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the fair reporting credit act ; The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A. States I have a right to Privacy.

15 USC 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 7 years.

15 USC 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 2023-02-10 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On ( XXXX  ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
I am attaching the paperwork... I have had multiple payments not being applied to the payments, interest, extra on the loan balance, etc.

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 2023-02-10 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: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
I Have recently looked into my consumer reports and noticed private identifying information that i have not given permissions to be shared or furnished therefore according to consumer laws my rights to privacy have been severely violated. Also the furnishing of the information on those reports without my written permission further violates my federally protected rights and constitutes identity theft. According to15 U.S.C.1681b ( a ) ( 2 ) and 15 U.S.C.1681 ( a ) ( 4 ) please send me proof that i gave prior instructions in writing to furnish account # # # # # # XXXX And i DEMAND the account be deleted until proof is shown. Furthermore, Pursuant to 15 U.S.C.1681 ( b ) reasonable procedures have not been followed to be fair and equitable to I, the Consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital One is placing holds on funds availability longer than the limit described in the USCODE -2010 title 12 chapter 41 ( Reg CC of the Federal Act - Expedited Funds Availability ), I deposited a cashier 's check in a branch with a Capital One teller on XX/XX/XXXX and the deposit receipt indicates funds will be available XX/XX/XXXX. According to Reg CC funds from deposited cashier 's check should be available for withdrawal not later than the business day after the business day on which such funds are deposited, which should be XX/XX/XXXX, or XX/XX/XXXX at the latest if the time of my deposit XXXXXXXX XXXX XXXX is considered to be after the close of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I received a letter dated XX/XX/XXXX from Midland Credit Management , Inc. stating that they were trying to collect a debt of {$410.00} on a supposed XXXX XXXX credit card. The last XXXX XXXX card I had was closed on XXXX XXXX  with a XXXX balance amount by the creditor due to lack of use, per my credit report. 

I saw that Midland Credit Management , Inc. made an inquiry on XXXX XXXX XXXX about my account. 

I believe that this is a fraudulent letter. I have also previously received phone call messages from supposed creditors for an " outstanding '' charge of, I believe, the same amount. I never answered those calls. 

I will be sending out a letter to them today ( XX/XX/XXXX ) based upon one of your letter templates. 

Thank you for your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: American Credit Acceptance, LLC
State: PA

Complaint narrative:
On XX/XX/XXXX I purchased a used car with financing through American Credit Acceptance LLC. 
The purchase price was XXXX. I was led to believe I needed a bunch of add-ons in the amount of XXXX. The interest rate is 24.99 %. They told me not to be alarmed by those numbers. They said in a few months my credit would go up and I would be able to refinance at a better rate. I was XXXX years without credit so I believed them. 
My first payment of XXXX was due XX/XX/XXXX. On XX/XX/XXXX, I paid XXXX. On XX/XX/XXXX I paid XXXX. On XX/XX/XXXX I paid XXXX. On XX/XX/XXXX I paid XXXX, On XX/XX/XXXX I paid XXXX. 
I relocated in XXXX from XXXX PA to XXXX PA because I got a new job. Technically my payment in XXXX was late because it was due on the XXXX. I contacted them in XXXX to make arrangements for payments until I could back on track after moving. They agreed. 
On XX/XX/XXXX, I paid XXXX. On XX/XX/XXXX I paid XXXX. On XX/XX/XXXX I paid XXXX. On XX/XX/XXXX I paid XXXX. But they still kept charging me late fees. I kept sending them money but somehow the payments were still late. On XX/XX/XXXX I paid XXXX. On XX/XX/XXXX I paid XXXX. On XX/XX/XXXX I paid XXXX. On XX/XX/XXXX I paid XXXX. On XX/XX/XXXX I paid XXXX. On XX/XX/XXXX I paid XXXX. Today I called them again because they are still saying I am behind and still owe XXXX before I am caught up for XXXX. I asked them why the fees aren't coming off and I was told that I have to call to pay the fees separately. The fees are not deducted when I pay online. 
Due XX/XX/XXXX XXXX Paid XX/XX/XXXX XXXX Due XX/XX/XXXX XXXX Paid XXXX XXXX Paid XX/XX/XXXX XXXX Paid XX/XX/XXXX XXXX Due XX/XX/XXXX XXXX Paid XX/XX/XXXX XXXX Paid XX/XX/XXXX XXXX Due XX/XX/XXXX XXXX Paid XX/XX/XXXX XXXX Paid XX/XX/XXXX XXXX Paid XX/XX/XXXX XXXX Due XX/XX/XXXX XXXX Paid XX/XX/XXXX XXXX I have overpaid XXXX. Yet they claim I still owe XXXX before I am current. So when I make another payment on XX/XX/XXXX, I will have overpaid XXXX. Even if I subtract XXXX for late fee for every month, that only amounts to XXXX. But as you can see, every time I was caught up ( several times ) according to their website I really wasn't because the fees were not included in the total due. It said my balance was XXXX in XXXX so that is what I paid. Same in XXXX Balance due was XXXX. I paid it. In the mean time, they keep reporting my payments as late to the credit bureau and my credit is much worse than it was before. This is so deceptive. This company is a complete scam and ripoff. They can't even explain to me where these fees are coming from. The people I speak to on the phone are foreign and there is a complete communication breakdown.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: MD

Complaint narrative:
XXXX - Refuse to remove items off of my credit report that does not belong to me. I have utilized their very own system from fraud alerts because I am a victim of identity theft XXXX  XXXX XXXX Report XXXX XXXX XXXX its reporting by data furnished but anybody that use a social security will in a data furnished. Make it make sense also have a FTC report XXXX XXXX XXXX  reporting XXXX  acct # XXXX XXXX ( which is repoed but I never missed a payment ) that right there should tell you fraud because why would they repo a car that never was late ) Simply was not my car. Investigations are very poor and not in compliant with the Fcra and consumer laws. 

EQUIFAX XXXX XXXX XXXX reporting XXXX acct # XXXX XXXX ( which is repoed but I never missed a payment ) that right there should tell you fraud because why would they repo a car that never was late ) Simply was not my car. Investigations are very poor and not in compliant with the Fcra and consumer laws. 


XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Please proved that I lived, show me the lease and I will pay you! I never lived in this apartment where this gas was associated with also have FTC report These reporting agencies are breaking not XXXX, not XXXX but multiple FCRA laws and they are not in compliance. 
The inaccuracies on the report alone is ridiculous. This is very much against the law If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, XXXX item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ... ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. The Consumer reporting agencies are also in violations of ... 15 U.S.C 1681 section 602 A. States that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : Sates a consumer reporting agency can not furnish a account without my written instructions 15 U.S. C 1681c. ( a ) ( 5 ) 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 9A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15. U.S. C 1681 C Section 605 B 15 U.S C 1681 e ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: FL

Complaint narrative:
In 2019 due to a natural disaster of XXXX XXXX we were in state of XXXX in XXXX XXXX I lost my jobs. There were no jobs in the area due to the destruction. I managed to pay my rent without having nothing to eat. I spoke to the XXXX and with her approval I left only XXXX month before the termination of my lease. 

It seems this company called IQ Data International purchase a debt from XXXX XXXX XXXX and put lots of money on top and sent it to Collections. It is my only Collection. I am very responsible and always pay my bills. 

I explained to them that this was in a state of emergency and a natural disaster and this has been in my credit for more than 4 years now. They refused to delete it and are asking me for XXXX that I don't owe. My lease was paid and they kept my deposit. That is equivalent to only XXXX  month. 

This is unfair and when I called them they treated me very rude and disrespectful, in an abusive way asking me in a loud and angry words, talking over me that I have to pay what I don't owe including all the money they put on top of it as so called " Interest '' I want this item to be deleted from my credit reports. It is not correct. It is not accurate and the only purpose of IQ Data International is to make money with people that lost their jobs due to a natural disaster.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: MoneyLion Inc.
State: AZ

Complaint narrative:
My bank money lion/roar money banking is my current bank Im using. I had both my state and federal return direct deposited into my account. My state went through just fine but when my federal that was about XXXX deposited they locked my entire account. I called the customer service to see what I could do and they said I needed to get a notarized statement from the irs along with a copy of the irss state issued id card saying that was the correct amount. After calling the irs they said it was impossible they dont do that and that the deposit is coded so the bank shouldnt have had a problem with it. I returned to calling my bank and then just repeating there was a specialized team handling it that they refused to let me speak to. I asked to just have them refuse the deposit and close my account and they said they couldnt do that even though in their contract that I signed when opening the account stated I could at any time for any reason. This bank is refusing to resolve the problem and holding on to all my money not just the suspicious deposit for an unknown amount of time. I would please like help with this situation and honestly would like to suggest this bank establishment be investigated as a whole. I have video evidence of the way they were talking to me and refusing to help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To get the agency to help me get TransUnion to take action to remove these items that I have requested to dispute and remove. 
Fraudulent Inquiries : 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