vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-02 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: CA

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 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 2023-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

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 2023-08-03 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: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
I Sent a Identity theft alfadavit form to XXXX, XXXX, and XXXX on XX/XX/2023. Listing the following accounts as identity theft : Credit Acceptance Account # XXXX XXXXXXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX. Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX This now my second time sending in a identity theft alfadavit disputing these accounts There is an attachment for XXXX XXXX XXXX XXXX Account XXXX XXXX showing they were ceasing the collection for the debt and removing it from all bureaus and have not yet. 

I have also seperately online disputed these accounts as well with XXXX  and XXXX and XXXX but they keep coming back fromt the creditor as verifed.

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 2023-08-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: NY

Complaint narrative:
According to Hunter Warfield themself as stated in the previous Consumer Financial Protection Bureau complain " the last time that Section 8 paid the consumers rent was on XX/XX/XXXX ''. This date is the last date of delinquency, however Hunter Warfield is reporting the last date of delinquency as " XXXX XXXX XXXX referred an account to Hunter Warfield for collection on XX/XX/XXXX ''. 

In accordance with the Fair Credit Reporting Act ( FCRA ) If you are a debt collector furnishing information to a CRA about the accounts of a creditor, you must report the date of delinquency given to you by the CREDITOR FCRA 623 ( a ) ( 5 ) ( A ) This " date of delinquency '' determines how long the debt can be reported on a consumer 's credit report. Generally, a CRA may report a delinquent debt for seven years from the date of delinquency. If the debt was XXXX in XXXX, however, a CRA may report it for 10 years. I have never had a XXXX 

Hunter Warfield is going by the date that the so-called collection account was placed with there not so legitimate company, instead of the date of delinquency given to you by the CREDITOR, which is against the ( FCRA ). Hunter and Warfield is attempting to re-age this account so that this account stays on my credit report longer than it legally should, an offense punishable by a lawsuit with punitive damages plus lawyer fees accrued. 

Warning Warning this is the second ( 2nd ) Consumer Financial Protection Bureau complain filed against this company, the first being un-timely verification passed the 30 day time allowed. I intend to SUE this company if the account is not deleted from my credit report due to fraudulent and deceptive credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: PA

Complaint narrative:
Wednesday, XX/XX/XXXX  ; Selene Finance. Selene Finance said I am foreclosure that I missed six payments. I paid in XXXX on a pay site online. they wont let me make up the other payments. I never received anything from the Sherriff 's office for foreclosure or from my local district. I want to work with them and try to make up payments with them and am willing to work with them. we've been in our house since XXXX thank you XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX cell : XXXX work : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: IN

Complaint narrative:
As per 15 U.S. Code 1681i ( 5 ) regarding the Removal of Inaccurate/Invalidated Credit Information , if, following any reinvestigation of disputed information by a consumer, it is determined that an item of the information is inaccurate, incomplete, or can not be verified, the consumer reporting agency must promptly delete that specific item from the consumer 's file.

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 2023-08-02 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: IN

Complaint narrative:
As per 15 U.S. Code 1681i ( 5 ) regarding the Removal of Inaccurate/Invalidated Credit Information , if, following any reinvestigation of disputed information by a consumer, it is determined that an item of the information is inaccurate, incomplete, or can not be verified, the consumer reporting agency must promptly delete that specific item from the consumer 's file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX This company reached out to me on XX/XX/XXXX threatening to take me to civil court for a debt. I inquired about this debt and they said it was a line of credit from XXXX that I had opened. The original debt they said was approx. {$3500.00} but is a lot more now without giving me a number. They said this is from JP Morgan Chase. I let them know I never had an account with JP Morgan Chase. Once I hung up I called JP Morgan Chase and they verified that I have never had an account with them. Furthermore, they can not collect on a debt from 21 years ago. OR even the default date in XXXX is still 19 years ago. They can not supercede federal law with any toll provisions they may have. They refused to provide me a copy of the original contract as well. Also, I check my credit reguarly and this has never appeared on my credit report. I feel this is fraud meant to intimidate people into paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: DE

Complaint narrative:
I am writing to express my deep concern over the failure of XXXX, XXXX, and TransUnion, the three main credit bureaus, to validate and research the debts listed on my credit reports in accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Despite my diligent efforts, including sending validation letters and making phone calls, these credit bureaus have not provided the required verification within the prescribed timeframe. This disregard for legal mandates has left me questioning the accuracy of the information on my credit profile and eroded my trust in their compliance with consumer protection laws. I urge for a comprehensive investigation into this matter to ensure the credit bureaus ' adherence to these vital regulations. 
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 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

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 2023-08-02 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:
I AM NOT LIABLE FOR THESE DEBT WITH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AND US DEPARTMENT OF EDUCATION XXXX I DO NOT HAVE CONTRACTS WITH THESE COMPANIES NOR HAVE THEY SENT ME THE ORIGINAL CONTRACT AS I REQUESTED. I HAVE ABOUT 30 INQUIRIES FRON THE US DEPARTMENT OF EDUCATION ON MY CREDIT REPORT WHICH IS CAUSING MY CREDIT SCORE AND MYSELF TO SUFFER VASTLY. THESE INQUIRIES AND ACCOUNTS ARE NOT MINE.

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 2023-08-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
IM INTERESTED IN DISPUTING ALL INVALID DATA THAT IS HINDERING MY FILE FROM BEING XXXX ACCURATE. PLEASE REVIEW AND DELETED ALL DATA SUBMITTED ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 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: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
I have created a new account with XXXX. However, I was not able to link neither my bank account, nor my debit card to my account. Every time I receive a message saying that the details I have entered are incorrect. While I have double checked multiple times that the details I have enetred match exactly the details I have on file with the bank. When contacting customer service, it is absolutely impossible to contact a real person and get an answer about my issue. They suggest to contact the support team through chat. Every time I tried to do that I get the following response : " I'm sorry, but no Customer Support Agents are available at the moment. Please try again later or browse the PayPal Help Center for answers to frequently asked questions. ". I tried to contact PayPal customer service team via chat ( as there is no other means of contact available ) multiple times during different times of the day and always get the same reply " I'm sorry, but no Customer Support Agents are available at the moment. Please try again later or browse the PayPal Help Center for answers to frequently asked questions. ". When I am asking when can I contact so that there is a Customer Support Agent available - there is no response. Neither there is an indication of the working hours of the Customer Service Agents available on PayPal website. Whatever the issue might be, there is practically no way to contac the company. This is absolutely unacceptable. There no support. The only way to communicate with Paypal is via chat where I always get the same answer " I'm sorry, but no Customer Support Agents are available at the moment. Please try again later or browse the PayPal Help Center for answers to frequently asked questions. ". I believe that any company in any industry has to have means for customer to raise questions, concerns and get support. If the company does not provide means for customer support and feedback- it is a violation of customer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I co-signed for a loan for my fianc. I pay the loan monthly through autopay. For 18 months this loan was not on my credit. In May they added it due to disputes I opened. Only for the balance to be incorrect. And all of my previous payment history not reported. I have made ( XXXX ) payments on this loan at {$1200.00}. The balance should be {$41000.00} if it was {$62000.00}. The interest fluctuates. I feel my payments are not being applied correctly. I have tried to fix this issue many times. At this point I want this loan removed from my credit. I feel I fall into the class action lawsuit they had last year. My loan was originated at the beginning of 2022. They added this onto my credit knowing I fall into this class action lawsuit. I am asking this account be removed and my payments applied be refunded 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 non-monetary relief
Consumer complaint received 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 2023-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I.C System INC Collection XXXX XXXX XXXX XXXX I had closed my account and paid off open balance and phone in person at XXXX XXXX at the XXXX CA store on XXXX XXXX XXXX. I needed to do that before I could open and transfer my phone number to XXXX XXXX. I was using my XXXX service and I received this {$96.00} bill. I called a few times and XXXX did not help me. Once collection called and I called back they were abusive and nasty. I do not owe anything because I was not using heir service. I was using XXXX XXXX 

# 2 debt XXXX XXXX XXXX  charges added because I cancelled my account. 
No one ever called me back

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 2023-08-02 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: CA

Complaint narrative:
This Account is Violating FCRA 15usc1681a ( 2 ) ( a ) ( i ) Transactions and Experience Exclusion. I have called them several times often time speaking to senior account manager no resolution Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
Mohela student loan provider shows me owing XXXX. I attended XXXX XXXX, XXXX online from XXXX to XXXX and graduated in XXXX of XXXX. I never lived on a college campus and XXXX never gave refunds but I do not remember every getting a loan over XXXX during a session. 

I have applied for XXXX and was denied even though I have worked 15 years for a State Agency and my application was submitted during the time when XXXX XXXX was waiving the requirement where we needed to have 10 years of payments. I kept my loans in forbearance and deferment because I earn XXXX. Per year and can't pay XXXX a month in student loans. I want my loan profile reviewed and validated. 
Also, I applied for the Borrowers Defense Relief but I was denied because I live in Texas where the attorney General who was just impeached for abuse of power did not sign on to take part in the class action lawsuit that provides relief for students that were victims of schools like XXXX  that guaranteed employment for its graduates and failed to create the supportive career services that we were promised. 
I worked for temp agencies for a few years after I graduated before I got a full-time job. 

I just want Mohela  to review my case and explain how I can have XXXX loans ranging from {$48.00}. to XXXX, XXXX, XXXX, XXXX, with the highest being XXXX. Also the dates range from XXXX to XXXX. If my loan server was worth the money they make to service my loan the would review this ridiculous amount of money that the are telling the world I owe. An education that costs XXXX should belong to a XXXX surgeon or a CEO of a fortune XXXX with an XXXX XXXX stamp. I am angry, disturbed. And discouraged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: 2233 Paradise Road LLC
State: TX

Complaint narrative:
Hello, I am requesting that I be provided a full refund from this company known as Cash Factory USA regarding the funds that were taken from my XXXX XXXX XXXX account. I am requesting a full refund for the amount of {$1400.00} that total the funds that this company stole from me. I provided a bank statement from XX/XX/2023 that shows no funds or goods were received from this company. The only department I am able to get in contact with is their Compliance team that can only communicate through email. I have been trying to get this issue resolved since XX/XX/2023. The only resolution I will accept is being issued a full refund for the amount above as I am now having to resort to reaching out to XXXX agencies to assist me with getting this matter resolved. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation