vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-15 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: World Acceptance Corporation
State: MO

Complaint narrative:
World Finance Is Reporting Duplicate Acct on My XXXX report i disputed mutli times and they will not remove it here is the company response Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response VIA CFPB PORTAL XX/XX/XXXX Re : World Acceptance Corporation of XXXX ( World ) Consumer : XXXX XXXX XXXX CFPB ID : XXXX Dear Sir or Madam : This letter is in response to the above-referenced complaint filed with your office on XX/XX/XXXX. XXXX XXXX obtained his account from Worlds Branch XXXX in XXXX, MO on XX/XX/XXXX, in the amount of {$310.00} and agreed to repay it in ( 6 ) monthly installments of {$52.00} beginning XX/XX/XXXX. The account was assigned as account number XXXX. No payments were received on the account, and it was charged off on XX/XX/XXXX. The account was then internally transferred to XXXX XXXX in XXXX XXXX, MO on XX/XX/XXXX, and assigned account number XXXX. On XX/XX/XXXX, World sold the account to XXXX XXXX XXXX, XXXX. XXXX XXXX was notified of this sale and the contact information for all future communications regarding the account. XXXX XXXX indicated in his complaint that the XXXX account is not reflecting his bankruptcy. The only case for a XXXX XXXX bankruptcy under XXXX XXXX name and social security number is in the XXXX XXXX XXXX Missouri, Petition # : XXXX with a date of file being XX/XX/XXXX. World can find no evidence that XXXX XXXX was under bankruptcy protection during the time World owned his account. Unfortunately, World can only furnish XXXX XXXX account information to the credit reporting agencies up to and including the date when the loan was sold. Any transactions or obligations under state or federal law that allow for protection under bankruptcy after the date of sale need to be addressed with the purchaser of the account. As World is no longer the owner of the account, all communications regarding this account should be directed to : Customer Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Sincerely, World Acceptance Corporation Compliance Department ATTACHMENTS 5_CFPB Response XXXX XXXX ( XXXXXXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is a fraudulent account that was reported back in XXXX. This account was removed from my report but appears to have been sold to another collection agency called XXXX XXXX. Under the Fraud debt collection practice act it is a violation to collect on an account that was previously reported as fraudulent. I am notifying you that this account must be removed immediately removed based on the aforementioned information. A report affidavit is 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 2023-05-15 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: FL

Complaint narrative:
There is seems to be an error on these accounts that are being reported on my credit report. I did manage to reach out to the creditors but they don't have any update yet. Please remove these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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: FL

Complaint narrative:
My complaint cites serious violations of the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974 committed by XXXX XXXX XXXX XXXX. These violations have resulted in significant harm to my privacy and have impacted my consumer rights. I hereby request a remedy in accordance with 15 USC 1681n for the damages incurred.

The specific violations are as follows : 1. Violations of 15 USC 6802-6805 and the Privacy Act of 1974 : Unauthorized Sharing of Personal Information. 

XXXX XXXX XXXX XXXX has unlawfully shared my personal information without my consent or any legal basis, thereby violating my rights under 15 USC 6802-6805, Privacy Act of 1974 as well as their very own Privacy Notice which is attached to this complaint. This unauthorized sharing of my personal information has resulted in a breach of my privacy and caused me distress and concern. I demand that XXXX XXXX XXXX XXXX immediately cease any further sharing of my personal information and to take appropriate measures to prevent such unauthorized disclosures in the future.

2. Violation of 15 USC 1681A ( 2 ) ( 1 ) : Improper Disclosure of Experiences and Transactions. 

In addition to the aforementioned violations, I have discovered that XXXX XXXX XXXX XXXX has improperly shared my experiences and transactions on five separate occasions during the period of XXXX to XXXX, XXXX, and Transunion. This disclosure of sensitive personal information without my consent is a clear violation of 15 USC 1681A ( 2 ) ( 1 ). I request that XXXX XXXX XXXX XXXX take immediate action to rectify this violation and ensure that my experiences and transactions are not further disclosed without lawful justification.

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 2023-05-15 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: FL

Complaint narrative:
My complaint cites serious violations of the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974 committed by XXXX XXXX XXXX XXXX. These violations have resulted in significant harm to my privacy and have impacted my consumer rights. I hereby request a remedy in accordance with 15 USC 1681n for the damages incurred.

The specific violations are as follows : 1. Violations of 15 USC 6802-6805 and the Privacy Act of 1974 : Unauthorized Sharing of Personal Information. 

XXXX XXXX XXXX XXXX has unlawfully shared my personal information without my consent or any legal basis, thereby violating my rights under 15 USC 6802-6805, Privacy Act of 1974 as well as their very own Privacy Notice which is attached to this complaint. This unauthorized sharing of my personal information has resulted in a breach of my privacy and caused me distress and concern. I demand that XXXX XXXX XXXX XXXX immediately cease any further sharing of my personal information and to take appropriate measures to prevent such unauthorized disclosures in the future.

2. Violation of 15 USC 1681A ( 2 ) ( 1 ) : Improper Disclosure of Experiences and Transactions. 

In addition to the aforementioned violations, I have discovered that XXXX XXXX XXXX XXXX has improperly shared my experiences and transactions on five separate occasions during the period of XXXX to Equifax, XXXX, and XXXX. This disclosure of sensitive personal information without my consent is a clear violation of 15 USC 1681A ( 2 ) ( 1 ). I request that XXXX XXXX XXXX XXXX take immediate action to rectify this violation and ensure that my experiences and transactions are not further disclosed without lawful justification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I mailed two certified draft checks from XXXX XXXX on XX/XX/2023 and PayPal still has updated my file.My credit report and available balance was not updated. I reached out to PayPal several times on the phone and chat. The representative told me in the chat that to refresh screen and would available. I called talked to a XXXX on the phone asked to speak to the corporate office team to file a complaint he stated couldnt do that. I explained to him about the California law a verbal agreement is the same as contractual agreement. The check cleared from XX/XX/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 2023-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: UNITED COMMUNITY BANK
State: GA

Complaint narrative:
United Community Bank, again. 
UCBI I am the Administrator of an Estate, and as such, have an Estate Account held at the subject bank. 
On XX/XX/2023, a statement was generated for this account showing a balance of {$42.00}. There were no additional notes, notations, indications of dormancy, no contact attempts known to me as account holder on this Statement of Account, and as well, no additional notifications or letters are known to have been sent to inform me of any intention to charge my account with any kind of fees, and therefore no NOTICE was given regarding intent to charge any fees of any kind. 
On XX/XX/2023, ( two days later ) a second statement was generated for this account showing a balance of XXXX, after a debit was charged on XX/XX/2023 labeled as DORMANT FEE for the entire balance of {$42.00}. 
The Deposit Account Terms and Conditions state : " DORMANT ACCOUNTS : If you have not made a withdrawal from, or a deposit to, your account for an extended period of time, your account may be classified by us as dormant. Subject to applicable law, we may charge a dormant account fee on the account, and the account will be presumed to be abandoned if we have been unable to contact you. In accordance with state law, funds in abandoned accounts will be remitted to the custody of the applicable state agency, and we will have no further liability to you for such funds. We reserve the right not to send statements on accounts we consider dormant, subject to applicable law. '' Furthermore, the Personal Miscellaneous Fees ( Fee Schedule ) for this account indicates {$5.00} per month may be charged for Dormant Accounts. A reasonable understanding of this policy would indicate after attempt to notify the account holder ( me ) and a notice given on actual statements, then a {$5.00} fee per month would be deducted until the account balance is either exhausted or the determination that the account has been abandoned, and at that point, funds would potentially be escheated to the State ( Georgia ). 
No such notice was given, no monthly fees were charged, and the account was fraudulently depleted and inappropriately and allegedly illegally seized by UCBI to enrich the bank. Personal reports to me from at least one other individual with inside knowledge of policy and procedure indicate this type of action has happened to other accounts. I believe due to the prior reports and relationship, this action was intentional and directed as a way to expedite closing my relationship with UCBI.

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 2023-05-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
GM Financial sent me an email that they received a notice the car was impounded. We left the car at a repair shop ( the owner apparently had died in the meanwhile is what the current owner of location is saying ), that apparently it was stolen and sold on XXXX XXXX XXXX ( according to the police in FL ) with a stolen title in FL. Someone tried to transfer the title or pick up tags where it was discovered. The FL police reached out to GM Fin'l, asked if they still had a lien, and GM Fin'l picked it up. This was approximately from Spring sometime until XXXX. I had been making payments the whole time so had no idea. GM Fin'l blocked my acct to receive any add'l payments, causing it to go into default, called the loan due but never gave me a payoff nor would give one when requested, sold the car for at least $ XXXX more than was owed, and refunded me two payments. It's being reported incorrectly on XXXX as a charge off. There should not be default because they caused the default by blocking the payments being processed. And they sold the car and kept to proceeds. I'm located in XXXX GA area. A XXXX XXXX. Acct XXXX. I can't get into the account to pull the full account number. Also I had a legal name change in the meanwhile, so name changed on account to current name XXXX XXXX XXXX, but initially was XXXX XXXX. The police officer had me submit a statement. It is attached. His name is Officer XXXX XXXX. Email address : XXXX. I recently was denied for a new car loan and am paying very high interest on the loan that was accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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: TX

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo will not remove late payments reporting incorrectly by Wells Fargo 's fault. The tradeline for furniture was not late and paid in full. The account closed in XX/XX/XXXX. The Credit Report that was pulled for my mortgage states that I was late in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. How can you be late on a paid in full, closed account? I have submitted disputes and called numerous times to get Wells Fargo to fix this error. No action has been taken by Wells Fargo to fix their mistake while my credit score is being punished and penalized. This is unfair to the public consumers and limits borrowing/buying power. Also, this disaster of a service from Wells Fargo negatively affected the interest rate I was able to obtain for my mortgage. Wells Fargo should be punished and fix the errors immediately.

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 2023-05-15 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 shocked and upset about the erroneous things I have seen in my credit report. These accounts are unverifiable, invalidated, inaccurate, and questionable. If everything is not reporting 100 % accurately it must be removed. 

I contacted the experian, XXXX and XXXX on XX/XX/XXXX regarding these inaccurate accounts. They have been no help to me.

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 2023-05-15 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: MO

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I received a copy of my credit report and I have found the following items listed to be in error. Pursuant to 15USC1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I NEVER gave you, XXXX XXXX, XXXX, XXXX, or TransUnion, any written instruction to furnish any information on my consumer report which is a violation of 15USC1681b. 

Your agencies have caused severe stress and XXXX  due to the abusive and unfair practices.

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 2023-05-17 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: SC

Complaint narrative:
I received a copy of my credit report and I have found the following items listed to be in error. Pursuant to 15USC1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I NEVER gave you, XXXX XXXX, Equifax, XXXX, or XXXX, any written instruction to furnish any information on my consumer report which is a violation of 15USC1681b. 

Your agencies have caused severe stress and anxiety due to the abusive and unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: SC

Complaint narrative:
I received a copy of my credit report and I have found the following items listed to be in error. Pursuant to 15USC1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I NEVER gave you, XXXX XXXX, XXXX, Experian, or XXXX, any written instruction to furnish any information on my consumer report which is a violation of 15USC1681b. 

Your agencies have caused severe stress and XXXX  due to the abusive and unfair practices.

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 2023-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: MI

Complaint narrative:
I called XXXX XXXX XXXX on XX/XX/XXXX about a collections from Enhanced Recovery Company. XXXX put out a fraud alert on my credit profile. I called ( ERC ) and they said the dont have an account for me in collections. The account was opened on XX/XX/XXXX XXXX  XXXX. I dont live in the city or state now or during the time of account opening. I then called XXXX XXXX the company issuing the collection. They also dont have an account with my name or anything issued by me. So no one has any account with my name in collection or accounts and its burdening my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: MO

Complaint narrative:
Ive had you have some issues with Cash App several times where there is some transactions made and charged my account. I dispute them and they immediately denied My Disputes, for instance, one of the what size did not exist, or do not have a customer support, so there was no way I can contact him to get reimbursed.those places they were charging my account Were trying to charge different amount and a period of 3 to 5 days and they finally got an amount when I realize it. I reported to cash app, I reported my debit card lost, because they denied my disputes immediately, I never have gotten the money back and then just keep happening. Just happened with different vendors. I have pictures of the charges service Some charges I have immediate cancelled subscription and they denied refunding even when was cancelled the same day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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: TX

Complaint narrative:
Please remove the account XXXX XXXX XXXX XXXX from my Experian, XXXX, and XXXX credit reports due to inaccurate reporting. The credit reporting agencies are reporting an incorrect balance and the date that the account was charged and sold off is incorrect and according to FCRA this incorrect reporting is grounds for the removal of the account. I will attach a copy of the notice from the original creditor with the correct balance and date of charge off. Also, this balance was taken care of with the original creditor because I had no knowledge that the account was sold. The account with the original creditor is also still reporting on my account which is also a violation as well as double jeopardy. Please remove XXXX XXXX XXXX XXXX from my credit report immediately.

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