vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CCF Intermediate Holdings LLC
State: LA

Complaint narrative:
XX/XX/XXXX, at XXXX XXXX  someone called from XXXX asking to speak with XXXX XXXX or XXXX XXXX. He proceeded to tell me that I took out a loan before XXXX for around {$500.00} dollars that I have defaulted on and now it's {$1000.00}. He stated that I have committed fraud, and he wanted to work out a payment plan. He started to argue with me stating that the debt was verified with three institutions. I asked him to send everything to me because my daughter is an attorney and I need to see who is using my information. My purse was stolen a few years back. He hung up the phone. I called # XXXX a guy answered and stated I took out a loan and that I should pay my bills and proceeded to argue with me. He said that all of my information was used to get the money and my bank account which I know is not true. No one has access to my bank account, Not even my children. He started to yell pay your bills. I told him it is not my bill and to send me all the documentation. I hung up the phone because it was getting out of control at that point. He was threatening and abusive. He stated nothing is going to happen to him, he can do anything he wants to. Have new regulations allowed debt collectors to behave in such a manner? I am visibly upset and very angry at these people. Listen to their recorded message at the beginning of the call. They threaten to send legal papers to your home. I guess legal action will be taken even though it's not the right person.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have XXXX XXXX XXXX XXXX and as of today 's date. I have a credit score of XXXX. With 5 % usage on a XXXX credit line. Now, I also have nerd wallet. And they are reporting my credit score to be XXXX. With usage at 28 %. Both pose to be transunion but both not having the same information. I would like for the score to be corrected across all platforms.

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 2023-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
I Have no knowledge of this account, NATIONAL CREDIT ADJUSTERS, but it is being reported on my credit report. 

Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. Therefore, this is in violation!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: AppFolio, Inc.
State: MS

Complaint narrative:
The company denied me an apartment rental. XXXX score from XXXX XXXX was used to decide on approval. I have no evictions in my credit history and have never been denied an apartment or home ; informed by creditors in the past that XXXX XXXX credit scores are not considered as being a legitimate credit scores due to incorrect credit score reporting. I have always had my approval based on XXXX credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I Have no knowledge of this account, but it is being reported on my credit report. 

Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. Therefore, this is in violation!

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 2023-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
XXXX is billing me around XXXX USD for their XXXX XXXX and I do not have the service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CreditNinja Lending, LLC
State: TX

Complaint narrative:
Credit Ninja 's website fraudulently claims that it is not a payday loan company and has extensive descriptions about how its " Installment Loans '' are better and lower interest than payday loan companies. It falsely advertises its loans as " Installment Loans '' which typically have interest that can be reduced, if paid back early. There is no description on its website that states what I was told after I signed a loan, and spoke to a representative over the phone. The company is in fact a predatory lender and should not be allowed to falsely advertise itself as an alternative to a payday loan company. I was told over the phone, that this company is a CAB company and it does not fund the loans. It only collects a CAB fee. The fee they added to my {$1000.00} loan is {$15000.00}, which is 250 %. The representative I spoke to over the phone, right away pointed me to language in the loan agreement about the CAB fee not being interest ( which is the only place it appears ) which means two things : first, they get this complaint all the time, and secondly, they know their advertising and website to be misleading. I asked if I paid the loan back early, could I reduce the amount owed, and I was told there is no way to reduce the CAB fee. I was told they only thing I could do is default and try to settle for less than I owed and it would be reported to the credit bureaus. This lender is unscrupulously taking advantage of consumers with false advertising and unwilling to take a fair settlement without damaging consumers 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 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The following accounts are INVALID and must be REMOVED from my credit report immediately : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; These accounts are showing invalid information on my credit report. If you review the type of account, the date of last reporting, the legend of showing its CO on experian but NOT reporting on XXXX or equifax, and is outdated. The account has different addresses in which I have NEVER lived. According to 15 USC 1681 s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate I can go on and on The credit bureaus have NO respect for the law Someone needs to hold them accountable for this The credit bureaus keep them disrespecting laws. I showed them multiple times of how they are violating laws are violating the fair credit reporting act. According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete the accounts that are NOT reporting correctly According to 15 USC 1681b ( 1 ) the credit bureaus dont have NO written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall NOT furnish information regarding the information relating to a consumer reporting agency if -- - ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate, and ( ii ) the information is in fact inaccurate I can go on and on about this Someone needs to hold them accountable for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: LA

Complaint narrative:
My account with Robinhood bank has been blocked. According to them, I am accused of having committed violations. Despite this, they do not explain exactly what articles of violation I they are referring to. Furthermore, access to my account has been restricted. As a result of their actions, I have informed the Associates at the company that I am suffering and that their actions are adversely affecting my life. I am traveling overseas and they have deliberately denied me access to money to get home. With my Veteran Benefits deposited into my account, I am entitled to my benefits as a veteran. As a brokerage account, the account is used for trading stocks. As of right now, I have options open and funds available for use in my account, but restrictions remain in place. They illegally withhold funds from me. Please understand, I reserve all my rights and do not understand their policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: NJ

Complaint narrative:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29 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: NJ

Complaint narrative:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax has given me the run around for almost a year now and they are unable to update my credit report. They keep giving me the error code XXXX XXXX But each time I call they tell me something different and say they are escalating but they do nothing. 

I am not able to apply for a mortgage because they are holding me back by not updating my credit report. I am so stressed out and do not know what to do. There has to be someone high up at Equifax that cares enough to help. I do not know what to do!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I have been trying to get this unauthorized Inquiry off my credit report for months. I have sent in 4 disputes and nothing is being done. I have sent in proof that I myself are submitting the request to have this removed. I have filled for a full file disclosure and never received 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 2023-03-28 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: NY

Complaint narrative:
Its been over thirty days, and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment. They have not supplied this information and they must delete this alleged late payment on my credit report. Under federal law they had thirty days to complete the investigation, and by failing to do so the item must be deleted as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX -LATE PAYMENT ON XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Its been over thirty days, and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment. They have not supplied this information and they must delete this alleged late payment on my credit report. Under federal law they had thirty days to complete the investigation, and by failing to do so the item must be deleted as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX -LATE PAYMENT ON XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX, a woman from phone number XXXX called me, my husband, and my husband 's brother. Voicemails were left with my husband and I, but only our address was provided as " verified ''. No names were mentioned, including who she was or where she was calling from. She ended the voicemail with " you've been notified ''. My brother in law answered the call eh received and was informed the call was regarding an unpaid debt from XXXX in my husband 's name through Wells Fargo. They advised it was paid on for five or six years then stopped. We were all given another number to call back - XXXX. My husband called it and spoke with someone who advised they will settle with him for a fraction of the cost, and that if he does not pay, they will come after me for the money. He advised he did have a loan through Wells Fargo, but it had already been satisfied. I called the XXXX number today to get a " not in service '' recording. I called the XXXX number and spoke with XXXX, who was very short and careful about what he shared with me. He said my husband has already been in contact with the, that he is scheduled to be served with a court summons, and that he needs to reach out to his case administrator. The only identifying info any of us have for the company ( other than the phone numbers ) is " XXXXXXXX XXXX XXXX '' ( unsure of spelling ). No XXXX results appear for that phone number. Honestly, this seems to be a fraudulent company or scheme. I was not with my husband in XXXX and my brother in law was not connected whatsoever to the loan that was taken out around that time frame. The loan was in my husband 's uncle 's name and my husband was unknowingly placed on the loan.

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 2023-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I have a payment arrangements of {$50.00} at one point at was given a balance to pay off of {$280.00} now I been given a higher pay off amount over {$500.00} and still show on my credit report as a owe {$850.00}. I want it remove for my credit report. And I know I can pay off with way less than XXXX but I need this collection remove from my credit report. 
Please help is affecting my credit with other creditors... thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXX XXXXXXXX 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.Section States : no consumer 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 2023-03-28 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:
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 U.S.C 1681 Account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account name 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.Section States : no consumer 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 2023-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: HI

Complaint narrative:
A company called Portfolio Recovery Associates , LLC, has been repeatedly calling me for two months without leaving texts or voicemails describing their purpose of calling me or what debt I have. They have tried to collect some sort of debt from me despite the fact that I have never used a credit card or used student loans. 

I called them earlier this morning ( XX/XX/23 ) to ask who they were and why they were calling me. The person who called me instead asked for my information, which I refused to give them unless they described their company affiliation. 

A few months ago, my house was burglarized and my birth certificate was stolen. I'm not sure if this has anything to do with it if someone is falsely impersonating me.

Company response to consumer: Closed with non-monetary relief