vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: U.S. BANCORP
State: WI

Complaint narrative:
Prior to filing XXXX XXXX bankruptcy in XXXX the mortage servicer ( US BANK ) reported accurate information to the credit bureaus. 
After XXXX XXXX bankruptcy was discharged successfully at the end of XXXX, the mortgage servicer does not report to any credit bureau. 
Contacted credit bureaus, advised to contact servicer. 
Contacted mortgage servicer, who claimed they won't report anything to credit bureaus ever.

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 2023-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: American Credit Acceptance, LLC
State: GA

Complaint narrative:
American Credit Acceptance Is taking advantage of Individuals that are In need. They set payments way out of reach for consumers. I tried to get them to lower my payments. I purchased a new/used vehicle from a dealership and the finance company that would accept me because I had poor XXXX XXXX. 
They knew that I wouldn't be able to afford the car and not allowing me to lower my payments to keep the vehicle. The price of the car was {$28000.00} with my payments being {$990.00} they tack on a {$490.00} late fee. 
Tried to speak with them to keep payments and I was offered an extention that allowed me so relief but then i got back behind because the payments were out of reach. 
the vehicle is a XXXX XXXX XXXX valued at XXXX but they added fees to exceed {$34000.00}. 
They came and repossessed the vehicle. I think they are ripping people off and not trying to work with them to keep the vehicle. I saw where there was another company with a simular name with a law suit out of New York doing the same thing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 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:
This will be my first and last attempt to remove these unauthorized accounts from my consumer report before involving civil institutions. Under 15 U.S Code 1681b - Permissible purposes of consumer reports any consumer reporting agency may furnish a consumer report under the following circumstances and no other, the written instructions of the consumer to whom it relates. I never gave that consent, which violates my privacy. Second, according to 15 U.S. Code 6802, I have the right to opt out of reporting if non-public information is being furnished. One, I was not disclosed of that right by the creditor to opt out, Nor is the contract between the creditor and I public information. Per law, identity theft means non-consent. Please provide substantial documentation validating consent to furnish these accounts. Please block and delete the listed items immediately. I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-01-08 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: NY

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

XXXX XXXX : # XXXX XXXX XXXX XXXX  : # XXXX XXXX  : # XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2023-01-08 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: NY

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

XXXX XXXX  : # XXXX XXXX XXXX XXXX  : # XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 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: TX

Complaint narrative:
This will be my first and last attempt to remove these unauthorized accounts from my consumer report before involving civil institutions. Under 15 U.S Code 1681b - Permissible purposes of consumer reports any consumer reporting agency may furnish a consumer report under the following circumstances and no other, the written instructions of the consumer to whom it relates. I never gave that consent, which violates my privacy. Second, according to 15 U.S. Code 6802, I have the right to opt out of reporting if non-public information is being furnished. One, I was not disclosed of that right by the creditor to opt out, Nor is the contract between the creditor and I public information. Per law, identity theft means non-consent. Please provide substantial documentation validating consent to furnish these accounts. Please block and delete the listed items immediately. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Financial Data Systems
State: SC

Complaint narrative:
On XX/XX/XXXX I mailed a certified letter asking for debt validation and to cease and desist any communication other than postal mail. They received the letter on XX/XX/XXXX per the postal service. They called and left a voicemail on XX/XX/XXXX at XXXX. They have violated the cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 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:
This will be my first and last attempt to remove these unauthorized accounts from my consumer report before involving civil institutions. Under 15 U.S Code 1681b - Permissible purposes of consumer reports any consumer reporting agency may furnish a consumer report under the following circumstances and no other, the written instructions of the consumer to whom it relates. I never gave that consent, which violates my privacy. Second, according to 15 U.S. Code 6802, I have the right to opt out of reporting if non-public information is being furnished. One, I was not disclosed of that right by the creditor to opt out, Nor is the contract between the creditor and I public information. Per law, identity theft means non-consent. Please provide substantial documentation validating consent to furnish these accounts. Please block and delete the listed items immediately. I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-01-08 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:
This will be my first and last attempt to remove these unauthorized accounts from my consumer report before involving civil institutions. Under 15 U.S Code 1681b - Permissible purposes of consumer reports any consumer reporting agency may furnish a consumer report under the following circumstances and no other, the written instructions of the consumer to whom it relates. I never gave that consent, which violates my privacy. Second, according to 15 U.S. Code 6802, I have the right to opt out of reporting if non-public information is being furnished. One, I was not disclosed of that right by the creditor to opt out, Nor is the contract between the creditor and I public information. Per law, identity theft means non-consent. Please provide substantial documentation validating consent to furnish these accounts. Please block and delete the listed items immediately. I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate personal information on my credit report. To this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand this inaccurate personal information be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: MO

Complaint narrative:
I didn't receive any mail from this company about this debt nor did i speak to any representative..i was not aware my account was sold to this collection agency..was not able to dispute with this company..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: PA

Complaint narrative:
Chime suspended my account. Ive done nothing wrong. They said I was making too much and it flagged my account. Ive proven my income, Ive proven my identity. Now nobody will reply. I have over XXXX in checks to cash from Chime that I cant access since they suspended my account. Nobody in the company will email me back to open my account back up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Credit Central Holdings, LLC
State: AL

Complaint narrative:
I have a loan and I am behind on my payments. The company is Credit Central. The have XXXX  the references ( my personal friends ) by calling XXXX of them and telling them that " if didn't call them and pay XXXX today, they were going to sue me and garnish my wages ''. This occured on XX/XX/XXXX at XXXX XXXX and the call lasted XXXX minute and XXXX seconds. They also called a second friend XXXX times in XXXX day and that was on XX/XX/XXXX and XXXX, XXXX both XXXX and again at XXXX XXXX. XXXX the last call at XXXX, my friend answered the phone and Credit Central told him that unless I called them back they were " prepared to file the paperwork to garnish my wages at 33 %. '' I believe all this was illegal and they have revealed my personal information to my friends. I am highly upset and demand and formal apology from Credit Central they should be fined and I should sue them. The office is located in XXXX and is located on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I received a letter from Chase to inform that they are closing my accouts due to " unexpected activity in these ir another Chase account. '' Ive tried at all possibile to find and cure this " enexpected activity '' but I have no answer from Chase of what is it and what documentation they would need from me.

As Chase is my only personal and business bank wich I have 5 total credit cards ( 4 personal 1 biz ) its negatively impacting my life and bussines. It`ll also bring a financial hardship as I have to move it all to another institutions impacting in a lot of new hard inquires, time to get credits reinstated and it all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
to whom it may concern hello I applied for a consumer credit transaction through capital one on XX/XX/22 I was told that I need to put a down payment for what I applied for but as your company should know down payments are illegal in consumer credit transactions I am supposed to only pay the finance charge with the credit card ( SSN ) that your company has already used ( as seen below ) which your company should already know because it is public information. I have called and been told that there is no physical underwriter for your company and that decisions are all processed through a system I Ask that you get someone on my application so it can be completed the right way otherwise your company would be in direct violation of 15 USC 1602 ( p ) as I originally made an agreement with XXXX and they gave my personal information your company and if I didn't give you actual, implied, or apparent authority for such use AND/OR I receive no benefit that implies by law and unauthorized use of my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 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: TX

Complaint narrative:
In accordance with the Fair Reporting Act 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, has violated my rights. 

15 U.S.C. 1681 Section 602 A. State 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 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 2023-01-08 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: GA

Complaint narrative:
As Dated XX/XX/2023, I, XXXX XXXX, XXXX did not give written instructions to equifax to furnish the identified transactions on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Optimum Outcomes, Inc.
State: WI

Complaint narrative:
I received a debt collection letter and I have been trying to dispute and I am unable to get ahold back anyone with the optimum outcomes company to dispute like the letter states. The deadline to dispute was XX/XX/2023 and unsuccessfully been able to dispute. Today is XX/XX/2023. I would like leniency with the date to dispute and someone to contact me in regards to get this taken care of. Reference # XXXX. 
Collection for XXXX XXXX who has passed away XXXX XXXX. There was no bill sent by the company for the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Someone used my information for their personal gain. 
In accordance with FCRA section 611 this company violated my consumer rights! 

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 explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: FORD MOTOR CREDIT CO.
State: NC

Complaint narrative:
The most recent correspondence filed with the customer Relations. Used name, date of birth/State file number and Social SecurityXXXX XXXX XXXX account XXXX XXXX to obtain an account with Ford Credit, and the information reporting on your credit report is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Nationstar Mortgage LLC, d/b/a Mr. Cooper, XXXX XXXX replied to a request for interest in the referenced property. Mr.Cooper replied " confirming and establishing the interest in and securing the above referenced account '', as the confirmed Successor In Interest. Documents were submitted with an affidavit of heirship and death certificates for the previous borrowers by the Confirmed Successor In Interest. ( 1. ) However, after reviewing the documents, later sent by Mr. Cooper, it showed that a 9.57 % yearly rate of interest was being charged since XX/XX/2006. The first request for an explanation for the abnormal interest rate was sent on XXXX notarized and ignored by Mr. Cooper. ( 2 ) again on XXXX referencing the high interest rate. No response by Mr. Cooper regarding the unusual interest charged. ( 3 ) Again on XXXX to lower the interest was not acknowledged or corrected or explained by Mr. Cooper. A letter was sent to Mr. Cooper as a complaint of discrimination regarding my age, the age of the previous borrowers, and race regarding the abnormal 9.57 % interest rate which started in 2006 and continues down to this day ( copy attached ). I requested information concerning the number of customers Mr.Cooper had serviced using this high % rate. The request did not involve any personal information only numbers and ages. Mr. Cooper replied that they would not submit that request.

Company response to consumer: Closed with explanation