vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Consumer Portfolio Services, Inc.
State: TN

Complaint narrative:
Hello I am filing a complaint because the car I purchased was totaled in a car wreck and my insurance refused to pay it off after they totaled. I can not drive the car at all I told the lender what happened they still trying to make pay a car that I can not drive after a drunk driver hit my son and they do it the lender and the insurance company I was played twice with this insurance company. A young lady hit me the first time and the insurance did not pay for it and she was going the wrong way but I can not afford to pay the lender holder about this car? Trying to figure it out how can get another vehicle but keep getting denied because I have and open loan with this lender and bern trying to get some help trying to get a lawyer no one will help me they keep saying I should have ask for uninsured motor something they was never offer to me because I had full coverage on the car. I got a chance to pay one car not but after the accident they told me not to pay another note because the car was totaled

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
We had fraud on our business checking account in XX/XX/2021. XXXX checks were cashed twice and Chase Bank reimbursed us for 4 of the 6 checks, after MONTHS of waiting. We are asking Chase Bank to take responsibility and reimburse us for the last 2 checks. The check numbers are # XXXX for {$410.00} and check # XXXX for {$470.00} totaling {$890.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 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, # XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-18 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, # XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 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: TN

Complaint narrative:
XXXX accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX Reference # XXXX has violated my rights. 

15 US C 1681 Section 602 states, I have a right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-18 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Based On 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged Identity theft, not later than 4 business days after the date of receipt. 

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VILOATION Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

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 2022-09-18 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have an unauthorized inquiry dated XXXX XXXX on my XXXX consumer report. They accessed my credit again without my permission as I did not apply for anything!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-18 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: MI

Complaint narrative:
Based On 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged Identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VILOATION Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 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: TN

Complaint narrative:
XXXX accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX Reference # XXXX has violated my rights. 

15 US C 1681 Section 602 states, I have a right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 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: TN

Complaint narrative:
XXXX accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX Reference # XXXX has violated my rights. 

15 US C 1681 Section 602 states, I have a right to privacy. 15 US C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: GA

Complaint narrative:
So, I am a XXXX  XXXX participant with XXXX XXXX XXXX XXXX. We signed a contract with XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX. I never had the opportunity to move into the unit due to no heat or hot water.I did not know that before signing the lease. I had already turned on the proper accounts in order to access these services in my name, through XXXX XXXX and XXXX XXXX. The development XXXX XXXX had not repaired the issue of installing a new water heater which was broke., also I was not able to access heat during this winter month because their was a mechanical problem with the heating system in the unit. I was not aware of these issues until I went into the unit to turn on the heat and to take a shower. I called and went back to the leasing office to speak with the property manager who worked with me to move into the unit. I arrived and she stated that I must put in a work order for maintenance to come out. I asked if they could come now because the unit was cold and I wanted to shower. Th

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX Account # XXXX The account has been disputed twice and Transunion has stated that the account has been validated. However, the account status has not been updated since XX/XX/2017.

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 2022-09-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
There are old credit card accounts that are over seven years old and need to be DELETED from my credit files from all three credit bureaus ASAP because the accounts no longer belong to me per the open dates and time frames. This is against the law to keep damaging reports on a file for over seven years. Please DELETE all six listed below. 

1. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 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: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-09-18 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX Reference # XXXX has violated my rights. 

15 US C 1681 Section 602 states, I have a right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: ME

Complaint narrative:
Roughly three months ago I started the process of refinancing with XXXX XXXX. After the process, I was getting ready to close with XXXX XXXX and the underwriter requested the last 12 months payment history being reported on time. Upon requesting this information, XXXX from XXXX XXXX and I noticed my payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( that were paid on time ) according to loan modification papers and payment history ( which is attached below ) are being reported for paying XX/XX/XXXX which is the beginning for my loan forbearance/ modification. Modification paperwork that I have agreed to had my payments resuming as of XX/XX/XXXX. My refinancing is all set pending I receive payment history reporting correctly or a letter on company letterhead stating those payments are for the correct months and have been on time, not thirty days late, for the last twelve months. 

XXXX ( XXXX XXXX XXXX XXXX ) and I have made several attempts by calling, emailing, and faxing, multiple times each way and have got the run around for the last month and a half. We have talked to many supervisors that have stated that the problem will be fixed. As of XX/XX/XXXX, XXXX and I haven't gotten any results or resolution to this matter. My refinancing time before having to re-apply and start this process again from the beginning is running out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 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: EQUIFAX, INC.
State: KS

Complaint narrative:
Please be advised this is my last and final attempt to correct these inaccuracies any response except for removal of this account will force me to pursue legal action. 12 U.S. Code 5561 ( 5 ) VIOLATION. 
I am exercising my right under the Fair Credit Reporting Act, 12 U.S. Code 5561 and 15 U.S. Code 1681n. I am demanding you remove this item immediately. XXXX XXXX XXXX XXXXXXXX XXXX Equifax account XXXX : XXXX, XXXX Account Number : # XXXX, XXXX Account Number : # XXXX. This account is being reported illegally. If not removed immediately, I will pursue all legal remedies at my disposal. 
The term violation means any act or omission that, if proved, would constitute a violation of any provision of Federal consumer financial law. 
Your attached email stating that you Equifax and XXXX XXXX XXXX XXXX  made changes to this account provides proof or Act and Omission it also provides proof that you made false statements. 
It is illegal for a business to make statements that are incorrect or likely to create a false impression. This includes advertisements or statements in any media ( print, radio, television, social media and online ) or on product packaging, and any statement made by a person representing your business. 
-Willful Noncompliance : there are inconsistencies in the account number reporting that may lead entities to assume that there are more that one account with XXXX XXXX XXXX XXXX XXXX

15 U.S. Code 1681n ( a ) IN GENERALAny person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of Violations : XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : # XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 12 U.S. Code 5561 XXXX. XXXX XXXX XXXX  XXXX 15 U.S. Code 1681n

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Viewing my XXXX XXXX account I noticed a new collection account place there. This information is inaccurate and was already deleted from my XXXX, and now has been duplicated on my TransUnion and reduced my score by XXXX points. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify. FCRA /USC 1681 states inaccurate reporting is a violation of my rights and can be subject to penalties up {$1000.00} per item. I'm requiring you to reverse that entry on my report and add the XXXX points back to my score immediately. This information has also been transmitted to Transunion. 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 2022-09-18 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: TN

Complaint narrative:
My name continues to update to a suffix either XXXX, XXXX, etc. My name is XXXX XXXX XXXX. I do not have a suffix at the end of my name. I keep calling and mailing in disputes concerning this. I've also mailed in copies of my ID and SS Card to verify this information. My name is currently showing XXXX XXXX XXXX XXXX. It should be XXXX XXXX XXXX or XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 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: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
Dear Chase, I am contacting you all in regards to my Chase Credit Business Ink Credit Card ending in XXXX for my company XXXX XXXX XXXX XXXX, XXXX. My previous card associated with this account was stolen and I have put in many disputes. My account was credit on XX/XX/XXXX, XX/XX/XXXX two separate times, and on XX/XX/XXXX, and XX/XX/XXXX twice and I have other disputed transactions pending, however, when I look at my statement balance on my account my statement balance is not reflecting these credits and pending disputes. I understand my current balance will include my entire balance, however, my STATEMENT BALANCE is incorrect and needs to be updated to reflect these credits and pending transactions, therefore, I am requesting that Chase have the proper department review my account and have my statement balance reduced to reflect all credits I have received and currently disputed transactions thats transactions are pending because with my statement balance being incorrect at {$17000.00} as of XX/XX/XXXX when it should be lower is causing my business credit to be reported incorrectly and is causing me to have an incorrect minimum payment, therefore, I am requesting this be updated immediately to reflect the correct information being that my statement balance is lower considering I have received credits on my account and have transactions currently disputed. Please update my statement balance to correctly reflect these disputed because it is currently incorrect and needs to be updated immediately. In the event it is not updated I will have to file suit given Chase is reporting incorrect statement balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bessine Walterbach, LLP
State: MO

Complaint narrative:
I have two companies actively pursuing the same medical debt from me. I have asked for validation letters and they provided with the exact same bills. 

I do not know who to pay or to set up plans with as they both say they own the debt. 

Bessine is charging interest and threatening to take me to court Consumer collections is not charging interest but is showing on my credit as a collection. 

I have attached the letters and records of both.

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 2022-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I reached out to Capital one via telephone call and spoke to a representative to inform the company that i was out of work due to being in the hospital with XXXX XXXX and if they could work with me on my monthly payments until i resume working. 

During that time I was experiencing hardships with making my monthly payments as scheduled with capital one i tried my best to keep up with my payments. but i was unable to being that i was out of out for two consecutive months XXXX and XXXX. 

I have always made my payments even when capital one had my account restricted i have faithfully continued my payments since having my account with them.

Company response to consumer: Closed with non-monetary relief