vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-05 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:
Account XXXX  Account number XXXX Amount {$2600.00} Date XXXX This is not my account this account was fraudulently opened in my name XXXX  XXXX  Acccount number XXXX Amount {$11000.00} Date XXXX This is not my account this account was fraudulently opened in my name XXXX XXXX XXXX number XXXX Amount {$1300.00} DAte XXXX This is not my account this account was fraudulently opened in my name XXXX Account NumbeXXXX XXXX Amount {$2600.00}. Date XXXX This is not my account this account was fraudulently opened in my name XXXX XXXXt Account Number XXXX Amount {$3500.00} Date XXXX This is not my account this account was fraudulently opened in my name XXXX XXXX Account number XXXX Amount {$920.00} Date XXXX This is not my account this account was fraudulently opened in my name XXXX Account XXXX XXXX Amount {$2000.00} Date XXXX This is not my account this account was fraudulently opened in my name XXXX  XXXX Account Number XXXX Amount {$2400.00} Date XXXX This is not my account this account was fraudulently opened in my name XXXX XXXX Account XXXX Amount {$100.00} DAte XXXX This is not my account this account was fraudulently opened in my name XXXX XXXX XXXX  Account Number XXXX Balance : {$12000.00} Date XXXX This account was fraudulently opened in my name. I am a victim of identity theft I have already provided my police report and ftc complaint. XXXX XXXX  XXXX Account Number XXXX. BAlance {$4300.00} DAte XXXX This account was fraudulently opened in my name. I am a victim of identity theft I have already provided my police report and ftc complaint. XXXX XXXX XXXX XXXX XXXX Number XXXX Date XXXX This account was fraudulently opened in my name. I am a victim of identity theft I have already provided my police report and ftc complaint. XXXX  XXXX XXXX Account Number XXXX Date XXXX Balance {$7500.00} This account was fraudulently opened in my name. I am a victim of identity theft I have already provided my police report and ftc complaint. XXXX XXXX XXXX Account XXXX Balance {$2200.00} Date XXXX This account was fraudulently opened in my name. I am a victim of identity theft I have already provided my police report and ftc complaint. XXXX XXXX XXXX Account XXXX Balance {$2000.00} Date XXXX XXXX XXXX XXXX  Account XXXX Balance {$1700.00} Date XXXX XXXX Account Number XXXX Balance {$3500.00} DAte 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 2022-12-05 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: FL

Complaint narrative:
Please update my personal information and delete all of the accounts with errors which I have attached they are affecting my life.

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 2022-12-05 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: Avant Holding Company, Inc.
State: CA

Complaint narrative:
I tried previously to contact Avant Credit Card customer service and received notification from my previous complaint that the problem complained about was fixed but Im noticing today on my XXXX credit report that there is not one error saying late payments or over credit limit with avant but multiple reports from avant going back on my report months and months times so multiple corrections need to be made asap I just made a payment with them via phone today XX/XX/22 and my payment was not even due until XX/XX/22 I dont know why they will not correct this its effecting me negatively on my credit report I tried to get a loan Ive always paid previously with my bank recently and even though previously never late and always paid in time I got denied another small loan

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: Block, Inc.
State: AZ

Complaint narrative:
On XX/XX/2022 {$500.00} was taken from my account @ XXXX XXXX On XX/XX/2022 @ XXXX XXXX {$500.00} from an atm but was declined On XX/XX/2022 {$500.00} was taken from my account @ XXXX Total of {$1000.00} has been taken out of my account I filed with cash app a dispute over and over and I have called them over and over I got an email that told me that my claim on the deputed claims have been denied I emailed them back asking why they told me because I have used my card at the location in the past I went back online in a live chat over and over I have called over and over I am told that they will reopen my claim and they will get back to me by email only I have asked to speak to a manager I am told that they dont take phone calls I have asked to talk to someone that is in charge of the claims I am told no they only email no phone calls I am told that someone will get in touch with me by email and its the same thing over and over I asked if they could tell me what atm it was that was used they told me it is a XXXX atm and the best thing I can do is call XXXX  and see if they can refund my money so I did that XXXX didnt have a clue what I was talking about and said they have nothing to do with a refund it would be the bank my card is from I went back to Cash app live chat and it was the same thing over and over I am told by the person in the chat and or on the phone that they have sent my claim to the manager and it will be taken care of and as of Today XXXX NOTHING HAS BEEN DONE TO HELP ME I asked if they can please pull film of who made the transactions they told me no Cash app told me no thats not there job to prove it wasnt me that made the transactions I asked them how or why the 2nd transaction was declined but not the 3 rd one they can tell me nothing it is to the point that when I go on live chat and ask why nothing has been done to help me get my money back I get a message in the chat telling me they have no updates on my claims Something is very wrong with them people they dont care that I wasnt the one that made the transactions they dont care if I get my money back its not them so they dont care I have been hung up by the XXXX over and over and told they cant help me cause the claim has been denied if you need dates that I have called them and or have been in live chats PLEASE HELP ME GET MY MONEY BACK FROM THEM ITS BEEN MONTHS AND MONTHS They tell me it takes 10 days but could be as long as 90 days I just want my money back from them ( CASH APP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
Toyota Motor Credit Corporation ( aka : Toyota Financial Services ) filed a lawsuit on XX/XX/XXXX against me after the Statute of Limitations has expired for an unproven judgment entered on XX/XX/XXXX through the law firm XXXX XXXX XXXX XXXX XXXX. The amount listed of on XX/XX/XXXX judgment was for {$4800.00} of which {$6000.00} was due plus interest from XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX froze my retirement account for {$12000.00}. I filed for a show cause with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX and was grant a hearing on XX/XX/XXXX, which I attended without a lawyer because I could not afford one. Yet I was looking forward to the opportunity for my voice to be heard. But the Honorable Judge XXXX XXXX XXXX only had me to fill out a return envelope for his judgment. As a XXXX XXXX XXXX senior citizen, I strongly believe that my civil rights, and well as the written law that states that in the State of the New York that the Statute of Limitation of debt is three years, have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
Received a phone call from company letting me know that an amount of {$980.00} for my car was due. I immediately paid the amount once I took the phone call with the company. The phone calls stopped for a week but started to continue again. I let the company know that I had paid the amount and that the due amount was clear. They told me that they would look into the situation and that they would give me a call back. When they called me back I would, on multiple occasions, answer only to hear someone hang up the phone line on the other side. This happened multiple times over a week. I was then calling the company the following weekend to let them know that the billing error was never resolved. They did not pick up the phone due to them being " Too Busy '' as their automated system says over their recorded line. I woke up the following morning to my car alarm going off and quickly ran down stairs. I saw my car on a tow truck and asked what my car was being towed for. They let me know that they worked for the company in question that they were a hired XXXX. I have never done business with this XXXX and never signed anything giving him the right to seize my vehicle. I then called the company once again to try and figure out this situation and why there was no due process before taking my vehicle. They did not answer the phone call due to them not having any staff to answer calls on weekend. I then called again the following weekday during business hours and they let me know that they could not let me know anything about the vehicle due to the fact that nothing had been put in their system for a full 48 hours. I still have no answers for my vehicle I have called 3 more times to see if someone else could assist me without any luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
NOTICE OF IDENTITY THEFT AND CONSUMER FRAUD PURSUANT TO VIOLATIONS OF 720 ILCS 5/16-30 ( a ) and 815 ILCS 505/1 ET SEQ NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTICE TO AGENT Re : Midland Credit Managements UNAUTHORIZED USEAGE OF PRIVATE IDENTIFYING INFORMATION BELONGING TO XXXX XXXX Addressing : XXXX XXXX Chief Executive Officer This letter is being sent in reference to any and all accounts and resulting files created and maintained by Midland Credit Management whereby private identifying information belonging exclusively to XXXX XXXX has been or is currently being used for commercial purposes and transactions without the expressed written consent of XXXX ; BANKS in violation of 720 ILCS 5/16-30 ( a ) and 815 ILCS 505/1 ET SEQ. 
( identity theft and consumer fraud ) Pursuant to 810 ILCS 5/ et seq XXXX XXXX or any other responsible agent of Midland Credit Management must produce or facilitate the viewing of an original contract signed in blue, wet ink by the legal representative of XXXX XXXX XXXX a living flesh and blood agent of Midland Credit Management and a non-interested third party as witness to said contract that may exonerate XXXX XXXX from the claims of identity theft and commercial fraud of which Midland Credit Management is being accused. 


If agents representing Midland Credit Management can not provide or make accessible the requested proof of contract within thirty days of their receipt of this presentment, then a check of {$9900.00} made payable to XXXXXXXX XXXX  XXXX on behalf of XXXX XXXX as a religious contribution will be accepted as compensation and no further legal action regarding this matter will be initiated nor further compensation sought regarding this matter. 

Should agents of Midland Credit Management choose silence as acquiesce in response to these heretofore mentioned allegations, a criminal complaint will be filed against XXXX XXXX with the XXXX XXXX XXXX and the CFPB, a summons issued and judgement sought for that initial {$9900.00} plus compound interest for every day beyond the thirty days given as a grace period in which proof of said contract was to be provided by Midland Credit Managements agents. 

All rights reserved without recourse /s/ : XXXX ; XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: FL

Complaint narrative:
Please update my personal information and delete all of the accounts with errors which I have attached they are affecting my life

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 2022-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: KY

Complaint narrative:
My husband passed away on XX/XX/XXXX. The next week, as I was making cuts on bills, I chosed to have my internet turned on, and the cable turned off. I called XXXX. The guy I spoke with told me I had a {$20.00} past due. I was prepared to pay it, but he told me not to worry about it, that he was writing off my balance. Since then, I pay my monthly bill on time every month as I'm working on my credit score. 

Out of the blue, on XX/XX/XXXX, i received a notification from Southwest Credit Systems in XXXX, TX, that I had a past due balance from XXXX in the amount of {$140.00}, I needed to pay. 

Today, XX/XX/XXXX, I phoned XXXX and was told by two ( 2 ) people there was no past due balance on my accounts. I asked if they could send me something that said that so that I could send it to the creditor and was informed they could not send me anything or contact the creditor, but another department could so they transferred me. 

The ladies I spoke with ( there were two ), told me there was a {$140.00} balance and they demanded payment. I told them there was no money owed, so I asked them what we could do. The last one I was speaking with told me that I must pay it. I said that wasn't going to work until they could show me why two people said I owed it and two said I did not. She ended up hanging up on me. I never got rude or raised my voice. I know that I do not owe this money. I'm sure I would not have service with them now if I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: TX

Complaint narrative:
15 USC 1681 Section 602 States that I have the right to privacy.

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

15 USC 1666B : A Creditor may not treat a payment on a credit card or installment account under an open-end consumer credit plan as late for purpose.

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 2022-12-05 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hard inquiry from XXXX XXXX XXXX Bank XXXX I sent them letters by mail and called them XX/XX/2022, XXXX, XXXX, XX/XX/2022, XX/XX/2022 and XX/XX/2022 each time filed with thier fraud department about this hard inquiry on my credit report and they keep telling me it will be removed and they have sent reports to transunion to remove it. Transunion said they have no reports from them to remove it and I need to contact XXXX XXXX to have it removed. I have done this over and over for 6 months. Also sent certified letters to transunion, that the post office has receipt and proof they received but transunion reps say nothing is in the system. Apparently they lost the letters after the received them. Transunion also says they can't prove it was me sending the certified letters, even though the letters included copy of my driver ID, copy of my Social security card, copy of my birth certificate and included other personal information.

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 2022-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
NOTICE OF IDENTITY THEFT AND CONSUMER FRAUD PURSUANT TO VIOLATIONS OF 720 ILCS 5/16-30 ( a ) and 815 ILCS 505/1 ET SEQ NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTICE TO AGENT Re : XXXX XXXX XXXX UNAUTHORIZED USEAGE OF PRIVATE IDENTIFYING INFORMATION BELONGING TO XXXX XXXX Addressing : XXXX XXXX XXXX XXXX XXXX This letter is being sent in reference to any and all accounts and resulting files created and maintained by XXXX XXXX XXXX whereby private identifying information belonging exclusively to XXXX XXXX has been or is currently being used for commercial purposes and transactions without the expressed written consent of XXXX XXXX XXXX in violation of XXXXXXXX XXXX XXXXXXXX ( a ) and XXXXXXXX XXXX XXXX XXXX XXXX 
( identity theft and consumer fraud ) Pursuant to XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX any other responsible agent of XXXX XXXX XXXX must produce or facilitate the viewing of an original contract signed in blue, wet ink by the legal representative of XXXX XXXX XXXX a living flesh and blood agent of XXXX XXXX XXXX and a non-interested third party as witness to said contract that may exonerate XXXX XXXX XXXX the claims of identity theft and commercial fraud of which XXXX XXXX XXXX XXXX being accused. 


If agents representing XXXX XXXX XXXX can not provide or make accessible the requested proof of contract within XXXX days of their receipt of this presentment, then a check of {$9900.00} made payable to XXXXXXXX XXXX XXXXXXXX on behalf of XXXX XXXX as a XXXX  contribution will be accepted as compensation and no further legal action regarding this matter will be initiated nor further compensation sought regarding this matter. 

Should agents of XXXX XXXX XXXX choose silence as acquiesce in response to these heretofore mentioned allegations, a criminal complaint will be filed against XXXX XXXX with the XXXX XXXX XXXX and the CFPB, a summons issued and judgement sought for that initial {$9900.00} plus compound interest for every day beyond the thirty days given as a grace period in which proof of said contract was to be provided by XXXX XXXX XXXX agents. 

All rights reserved without recourse /s/ : XXXX ; XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
Credit Acceptance This company illegally made me put a down payment on the vehicle when I got approved for the loan. I also contacted the agency and informed them that I was having issues paying the vehicle off and the illegally repossessed the vehicle. Ive never received a notice of repossession.

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 2022-12-05 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I sent the letter to Experian, XXXX, and XXXX on XX/XX/2022 it's been over 30 days and I still haven't received anything back. According to 15 Usc 1681i ( a ) ( 1 ) ( A ). Experian XXXX and XXXX have 30 days to respond to my dispute. This is the violation of my rights.

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 2022-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: IN

Complaint narrative:
Rocket Mortgage failed to apply payment from XXXX account in XXXX- did not notify ( XXXX was available to pay ) called multiple times to fix issue starting in XXXX, was promised that it would be fixed, and now they have charged me for gap coverage due to their issue, and have not returned money even though they were the ones that failed to make payment.

Company response to consumer: Closed with explanation