vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
THE FCRA 15 usc cod1680 I 5 and 1666b the unlawful use without my consent. All negative items should be removed immediately. Also they allow creditors to resubmit items after 7yrs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: AL

Complaint narrative:
My mortgage has been in default since XX/XX/2022. I received a letter regarding a pending foreclosure scheduled to occur on XX/XX/2022. I have since come up with the full amount to cure the debt and attempted to make a payment on Monday, XX/XX/2022. On Monday, I was told that a reinstatement letter needed to be issued and was assured that the letter would be available by XX/XX/2022. I was advised that I would receive a call on that day and never received that call. I have tried to make the defaulted payment several times this week and have been given the run around as if the company is trying to buy time until the date of the foreclosure. They have advised me the reinstatement letter has still yet to be generated by the attorneys and can not provide me with consistent information. I do not know when this letter will come if its even going to come at all. I have the money to cure my debt but the company has been unwilling to cooperate with me making the payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX : {$170.00}, {$170.00} XXXX XXXX XXXX, : {$3000.00}, {$3000.00} XXXX XXXX : {$1000.00} XXXX XXXX  : {$600.00} XXXX XXXX XXXX : {$650.00} XXXX XXXXXXXX XXXX : {$830.00} Portfolio Recovery Associate : {$1900.00} XXXXXXXX XXXX XXXX {$890.00} These are third party collection agencies that I do not owe anything to. I've never signed nor had any contract with these companies. These companies need to provide a signed contract between myself and them. These collections need to be removed immediately. I have contacted the debtors by mail and online to disputed these inaccuracies and have them deleted. The Tila law and the USC code by reporting inaccurate information on my credit report without contacting me first.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I was power of attorney for my father up until his death on XX/XX/2019. 
PNC bank has continued to send me his bank statements indicating that he owes {$34.00}. 
He had no money after his burial. The State of Pennsylvania tried to recoup money for Medicaid. Pa declared him insolvent after I showed them receipts for his burial expenses. I sent this letter to PNC. He left no will. I am not his estate representative.

I have called PNC many times and sent his death certificate. I asked them to stop sending me his bills. I receive form responses with no name attached. PNC is inflicting emotional distress on me by sending me bank statements for a second mortgage my father had that shows he owes {$34.00} ; for four years since he died. Every time I receive these bills I am sad. Sad that my father is dead. Sad that he worked all his life and had nothing upon his death. Sad that PNC doesn't care. Today 's bill was for a minimum payment of {$0.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-20 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: NV

Complaint narrative:
on XX/XX/19 the account XXXX XXXX which was previously removed due to me winning my dispute has been put back onto my account. This has already been won in my favor according to the fair credit report act please remove it.

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 2023-04-20 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: FL

Complaint narrative:
I am a victim of Identity Fraud. There is a XXXX  XXXX account on my file, even though it shows paid and closed that account is not associated with me. I reached out to the creditor directly and they sent me a form which i signed and sent back to them confirming that the account was made by someone that wasn't me and that I t was not authorized by me. I also reached out to all 3 credit bureaus, Experian, XXXX, And XXXX. XXXX AND XXXX Were able to verify that the account did not belong to me but Experian reported the account back on my file. I need the XXXX  XXXX ACCOUNT TO STAY CLOSED AND BLCOKED FROM SHOWING ON MY FILE. I DID NOT AUTHORIZE IT NOR DID I GIVE ANY ONE PERMISSION TO FURNISH THIS INFORMATION ON ANY OF MY CREDIT FILES. The company is breaking the law per 15 usc 1681b.

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 2023-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Farrell Holdings, LLC
State: NV

Complaint narrative:
I bought my 1st car XX/XX/XXXX I have got car XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX have two final sales paper the say selling price XXXX total due XXXX cash down XXXX ( XXXX ) but balance due XXXX so XXXX I was finance and XXXX finance charge my XXXXXXXX XXXX XXXX PAC FINANCE  TOLD XXXX to fix the calculations on the paper .this is where the other final sales paper come in .my XXXX XXXX XXXX the I was finance XXXX and the charge XXXX with XXXX down total payment will be XXXX. My Apr should not been that high at that time I had credit score XXXX and I have co signer her credit score was XXXX... XXXX I have been paying XXXX monthly I miss 1 payment that was during the pandemic. About XXXX add on the bill.i feel I'm getting rob for my money .I m getting harass by pac finance about paying the bill and I'm not even due yet .I keep telling them stop harassing me.they calling then they put nagitive reports on your credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX : {$170.00}, {$170.00} XXXX XXXX XXXX, : {$3000.00}, {$3000.00} XXXX XXXX  : {$1000.00} XXXX XXXX  : {$600.00} XXXX XXXX XXXX : {$650.00} XXXX XXXXXXXX XXXX : {$830.00} XXXX XXXX XXXX XXXX {$1900.00} Comenity Bank : {$890.00} These are third party collection agencies that I do not owe anything to. I've never signed nor had any contract with these companies. These companies need to provide a signed contract between myself and them. These collections need to be removed immediately. I have contacted the debtors by mail and online to disputed these inaccuracies and have them deleted. The Tila law and the USC code by reporting inaccurate information on my credit report without contacting me first.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
i have incorrect addresses on my report i have incorrect ammounts also and not my credit on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
i have incorrect addresses on my report i have incorrect ammounts also and not my credit on my credit

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 2023-04-20 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
I am writing to file a complaint against Wheels XXXX Financial and their Director of Compliance, XXXX XXXX. My rights have been violated due to their harassing and abusive debt collection practices. 

XXXX XXXX has repeatedly called me at all hours of the night, despite the fact that debt collectors are not allowed to call debtors before XXXX XXXX. or after XXXX XXXX. in California without my permission. His calls have been threatening and harassing, and he has increased my balance significantly. The harassment has increased since filing my previous CFPB complaint. This complaint was filed due to balance discrepancies. As you can see, theres a lot of animosity and a significant increase. {$11000.00} increase from a {$2500.00} loan, with the vehicle reposed and never credited. In addition, many other factors were ignored such as my attempts to email the company for relief during COvID. In addition, the company allowed additional fees to incur by not providing the tow yard a key upon their request, resulting in the locks being cut from the door. The lack of response from LoanMart was a financial charge to me although both myself and XXXX XXXX XXXX confirmed she tried reaching the company. 

I have picture evidence and an email from XXXX XXXX in which he implies that I have no association with the XXXX XXXX as a member, and attempts to intimidate me. I believe this is a violation of my consumer rights, and I am deeply troubled by the behavior of XXXX XXXX and Wheels XXXX Financial. 

I request that CFPB investigate this matter and take appropriate action against Wheels XXXX Financial and XXXX XXXX. I also request that my consumer rights be protected, and that I be compensated for any damages or losses I have suffered as a result of their actions. 
Thank you for your attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: GA

Complaint narrative:
I settled a charge off with XXXX, they have failed to update the account as settled, they continue to show the debt on my report. I have requested and have disputed the account with them and they fail to correct it.

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 2023-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

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, XXXX XXXXXXXX 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 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 2023-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
We received letters in the mail stating Chase was closing all my families accounts without explanation and to remove our money. We called for an explanation and they wouldnt tell us. We went up there and they would not tell us either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: TX

Complaint narrative:
I am writing to dispute and request the removal of inaccurate names, addresses outdated entries associated with my credit report. 
My legal name is ( First Name ) XXXX XXXX ( Last Name ) XXXX XXXX, however, I have noticed that my credit report contains variations of my name that are not accurate. I request that my legal name be used consistently throughout my credit report, in order to ensure accuracy and avoid confusion. 
Additionally, I have moved to a new address more than 2 years ago and updated my information with all of my creditors. However, I have noticed that some of my previous addresses are still listed in my credit report. My current address is XXXX XXXX XXXX XXXX XXXX Tx. XXXX, and I request that this be reflected accurately in my credit report. 
Attaching Proof Social Security Number Proof of identification, DL Proof of Address

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 2023-04-20 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: LEXISNEXIS
State: NJ

Complaint narrative:
On XX/XX/XXXX I submitted a dispute via CFPB portal notifying LEXISNEXIS of the inaccurate information being furnished on my consumer report as a result of identity theft. On XX/XX/XXXX LEXISNEXIS responded stating the inaccurate items would be suppressed and the other information in my dispute was not currently on my consumer report. After reviewing my most recent consumer report on XXXX  it reflects all of the inaccurate information I disputed is currently being furnished on my consumer report. LEXISNEXIS has breached their fiduciary duties for failing to remove the inaccurate information resulting from Identity Theft. Again, I am NOT responsible for the listed account ( s ) as I have been a victim of identity theft. Ive already notified both my local Police Department and the Federal Trade Commission by completing an identity theft report and I have included a copy for your review. Pursuant to the F.C.R.A. 605 ( b ) / 15 U.S.C. 1681c-2 you are required to block and remove information identified as the result of identity theft from a consumer report no later than four ( 4 ) business days after receipt. I am instructing you to please delete the following fraudulent account ( s ) and inquiries from my consumer report immediately. Accounts : Reference Number : XXXX / XXXX XXXX XXXX XXXX / Account # : XXXX / Amount : {$8000.00} Reference Number : XXXX / XXXX XXXX XXXX XXXX XXXX Account # : XXXX / Amount : {$1000.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, there is also inaccurate personal information being furnished on my consumer report that must be removed immediately. Please delete the following inaccurate information listed below. Name ( s ) : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX Address ( XXXX ) : XXXX XXXX XXXX XXXX NJ XXXX ; XXXX XXXX NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ; XXXX XXXX NJ XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX. XXXX XXXX XXXX CO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX Email address ( XXXX ) : XXXX ; XXXX ; XXXX ; XXXX Phone number ( XXXX ) : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; Education : Graduation - XXXX  ; Address - XXXX XXXXXXXX XXXX XXXX NJ XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-21 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: IL

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-04-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On my credit report I see an open credit card through Capital one with an active balance of {$700.00}. I tried to dispute this account as I had no knowledge of the account and Capital one did not accept the dispute. Dispute filed on XX/XX/ through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reported on my credit report. I received a copy of my credit report and to my surprise, I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report 15 US-CODE 16921 ADMINISTRATIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPRESENTATIONS-XXXX XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 15 US-CODE 1692E FALSE OR MISLEADING REPRESENTATIONS-XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
Inquiries XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: CA

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reported on my credit report. I received a copy of my credit report and to my surprise, I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report 15 US-CODE 16921 ADMINISTRATIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPRESENTATIONS-XXXX XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 15 US-CODE 1692E FALSE OR MISLEADING REPRESENTATIONS-XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
Inquiries XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation