vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, I traded in my XXXX, XXXX XXXX ( XXXX : XXXX ) to the XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX ). 

It was recently brought to my attention that when the XXXX XXXX XXXX XXXX sent the payoff information to XXXX XXXX XXXX, they refused to accept the payoff payment because the check was from a third party. Nowhere in the contract did it ever state that this was an issue and may cause problems when trading in the vehicle, nor were there any instructions regarding this when I requested a payoff quote from XXXX XXXX XXXX. 

Then XXXX waits over thirty days from trading in the vehicle to notify the XXXX dealership and me of the issue. I contacted Infiniti and spoke to several employees who said that XXXX would have to contact a local Infiniti and give them payment to forward to Infiniti Financial Services because they will not accept direct payment from XXXX. I do not understand why the company refuses to accept payment, causing problems for the XXXX dealership and myself. Now Infiniti is attacking my credit report when they had every opportunity to accept the payment and remedy this problem. I then contacted XXXX to tell them about the information I obtained from XXXX. They said they attempted to contact two local XXXX dealerships who refused to assist XXXX with anything regarding this account I believe that XXXX XXXXl is exhibiting unfair and illegal practices, and none of these issues are stated in the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Torres Credit Services, Inc.
State: IL

Complaint narrative:
I just received my credit report and noticed these unauthorized items that's wasn't suppose to be on my credit profile. this has been very frustrating after recovering from XXXX. and now I'm trying to get a car and can't get approved because of it. 

in accordance with the fair Credit Reporting act XXXX Account # 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 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
Since XXXX XXXX XXXX  I did many calls to XXXX XXXX XXXXXXXX XXXX , about the rest of the money that I have in my XXXX XXXX XXXX XXXX, because they close me the account that I open by online, because seems something was wrong. They sent me deferents emails that I did something that I wasn't. Then, when I tried to sing in in the account, the system automatic put deferents numbers of phone, and they weren't mine either. It seemed to me that it was like a fraud, so by many calls they decided to send the rest of my money by check. Then I found out that the didn't send it, I complain again and finally the send it on XX/XX/XXXX according to email received on XX/XX/XXXX NoReply   Subject : " Checks have been mailed to the Recipient/Employee '' Dear XXXX , Your payment has been successfully issued and checks have been mailed. Below you will find the transaction details regarding your check. 
Check Amount : XXXX Check Date:XXXX XXXX I still waiting for this check, they told me with my last complaint that is the only information that they can see in the system. Their phone is back the card : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: IL

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 non-monetary relief
Consumer complaint received 2023-01-03 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: FL

Complaint narrative:
I filed a dispute with XXXX for late payments that were promised to be removed by capital one due to hardship during the pandemic. Within a few days Capital one reported a balance of my credit card prematurely causing a significant drop in my credit score. My statement comes out every XXXX of every month and had already been reported for XXXX XXXX XXXX XXXX XXXX statement has yet to be due yet I have a second reporting after the XX/XX/XXXX statement has already updated. Please remove this inaccurate report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
Re XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern : This letter is regarding XXXX XXXX XXXX XXXX XXXX, which is being reported to credit reporting agencies without verification. This is a formal notice that your reporting is disputed. If verified, please provide the XXXX of XXXX. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) these items as reported. Please note that a report, a printout, or an employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 

It is unethical not to mention illegal for you to use my information to update erroneous information provided to you. Asking for additional information is a well-documented tactic of LexisNexis. The public record and my demographic info is what is needed as per other complaints to your company. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for this public record, is a violation of the Fair Debt Collection Practices Act ; therefore, if you can not validate the item/items, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within XXXX  days of receipt of this letter is a violation of the FCRA and will result in small claims legal action against your company at my local venue. 

You will be required to appear in a court venue local to me, to formally defend yourself. For the purposes of 15 USC 1692 XXXX XXXX, this Notice has the same effect as a dispute to the validity and accuracy of the alleged bankruptcy and a dispute to the validity of your claims. 

Please do not send me a letter with the contact information of the court they dont report to LexisNexis XXXX any other agency. Since you are reporting this item it is your responsibility to validate all aspects of it. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: CA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2023-01-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
Hello, I currently XXXX XXXX XXXX XXXX ( I am a 99 % owner and my co owner has 1 % ). I would like to do an assumption on the building with my co owners agreement and the bank says that my debt to income ratio does not qualify. I had my loan broker run the numbers and he says that it does qualify. The woman who is helping me at the bank is very nice, however i do not believe that she understands the process. She is just keying in numbers that don't add up. I have asked to speak with someone who is more senior in this position to no response. It seems to me that since i qualify for to refinance that I should also qualify for an Assumption. Is it possible that they are doing this to make me pay a higher rate ( my rate now is 3.35 % ) because if I am unable to do an assumption I would have to do a refinance at a much higher rate. 
Please 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 non-monetary relief
Consumer complaint received 2023-01-03 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: IL

Complaint narrative:
XXXXXXXX XXXX reported to Experian late payment of {$50.00} dollars which is incorrect. Experian reported these business open but account closed by creditors in good standing XXXX, XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I would like my Credit score restore to the much higher score as before. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Credit account was opened without my knowledge. I have tried to dispute multiple times but went nowhere. XXXX very frustrated because it seems all my disputes are being ignored.

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 2023-01-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meade & Associates, Inc.
State: MI

Complaint narrative:
I keep getting bills from XXXX XXXX and throwing them away because I'm a qualified medicare beneficiary and can not be balanced billed. I have both XXXX and XXXX. XXXX XXXX paid the bill and any balance should not have been billed to me because it is illegal to do so. Today I got a letter from Meade and associates saying that they are trying to collect the debt due to XXXX XXXX XXXX which I'm assuming is XXXX XXXX since he's the one I saw during the service dates between XXXX XXXX of 2022. During this time I was a qualified XXXX beneficiary and I still am. They say I owe {$100.00} and when I called them they argued with me about it even though I said I was a qualified XXXX beneficiary they said I owe this debt. I'm on XXXX because I'm XXXX XXXX and this is causing me mental duress for no reason. The person I spoke to at XXXX was very rude and raised his voice at me insisting that I owe this debt. The phone number for Meade & associates is XXXX. They're located at XXXX XXXX XXXX XXXX XXXX Ohio XXXX. The letter is dated XX/XX/XXXX of 2022. The bills I received from XXXX XXXX were thrown away so I don't have those. Every time I get these bills it reminds me of the time I was committed and XXXX XXXX was the worst XXXX ever and XXXX was a horrible experience for me. This is affecting my mental health and I don't appreciate it. I feel like I'm being harassed for no reason.

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 2023-01-03 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: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
This is an update to an unresolved issue!!! I just received my reinvestigation back from XXXX XXXX They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). Because the list of accounts below are not accurate. The open date, date last active, and the date of the last payment is NOT 100 % accurate. Account # PORTFOLIO XXXXXXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ). I have attached a their response to my dispute which does not validate that this is my account or debt. They are also in direct violation of 15 USC 1692g ( b ) whereas they did not provide me with validation of debt. Only an online " contract '' in which anyone could have opened in my name. This does not indicate physical proof of debt. This company is also violated 15 USC 1681b ( 2 ) because I did not provide them in writing to furnish this info onto my credit report. Nothing of what they sent is accurate. The addresses on file are also inaccurate which is still a violation of 15 USC 1681 ( a ) ( 4 ) because they did not exercise their responsibilities with fairness. They are also in violation of 15 USC 1681 ( b ) because their investigation was not completed with accuracy nor relevancy nor proper utilization of such information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: LA

Complaint narrative:
This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act XXXX these accounts below has violated my rights according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

I need this information below. If you can not provide this information please delete these accounts from my credit report.

1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of The Original Merchant ) 3. The Payment History and Itemized Billing Associated With These Accounts 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) 1. Account Name : XXXX Account # XXXX XXXX. Account Name XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) Account # XXXX XXXX. Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX XXXX. Account Name : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) Account # XXXX XXXX. Account Name : XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) Account # XXXX XXXX. Account XXXX : XXXX XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: LA

Complaint narrative:
This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act XXXX these accounts below has violated my rights according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

I need this information below. If you can not provide this information please delete these accounts from my credit report.

1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of The Original Merchant ) 3. The Payment History and Itemized Billing Associated With These Accounts 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) XXXX. Account Name : XXXX Account # XXXX XXXX. Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account # XXXX XXXX. Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX XXXX. Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX. Account Name : XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) Account # XXXX XXXX. Account XXXX : XXXX XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # 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