vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-08 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: MD

Complaint narrative:
My Credit card was used and my account were taken over by someone that stole my identity. 
XXXX bill was put in my name without my knowledge amount {$450.00} in 2019

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08 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: TX

Complaint narrative:
Please remove this inaccurate account from my credit report as I have never authorized anyone to use my account. It is important that you eliminate these fraudulent accounts to ensure the accuracy of my credit report. Thank you for your prompt attention to this matter.

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 2023-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Capital Management Services, LP
State: OH

Complaint narrative:
On XX/XX/XXXX my employer was contacted and disclosed information that should not have told.

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 2023-05-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: THRIVE MORTGAGE, LLC
State: MO

Complaint narrative:
The company offers those program where you get approved for an interest only loan to purchase a new home, then they turn around - usually within a few months and do a refinance to a conventional loan. I was in a bind and feel the broker took advantage of the situation left an enormous amount of details out. Essentially, I had to pay an exorbitant amount of fees, multiple closing costs, 2 mortgages at once and none of this was disclosed and the beginning or near the end. When this was discovered they offered little to no explanation. In retrospect this practice seems predatory and deceptive. Again, I feel if they informed me of the terms before the process started, I would declined using them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
Inquiry not authorized on XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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 — Their investigation did not fix an error on your report
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
requested to have this information removed several times after it was paid and contacted the company which the number listed with them was not going through and the original company had no knowledge if being sent to collections - as I was current and paid. 
I have disputed this to be removed and all would get back is it has been verified and updated. by XXXX several times. 
{$230.00} XX/XX/XXXX open date - XXXX XX/XX/XXXX Last reported. - XXXX I requested to have information verified and to send all the information requested from the date the account opened to current in which I wanted to know how this account accumulated to this amount and I needed the Original Signed contract and still did not get any information and this information is on my credit reports did not match at all. 
I have Disputed these below several Times which again I get the Has been verified and updated with no proof. 
{$740.00} XX/XX/XXXX - open date XXXX XX/XX/XXXX - open date XXXX XX/XX/XXXX - last active XXXX XX/XX/XXXX - last active XXXX XX/XX/XXXX - open date XXXX XXXX last active XXXX {$2500.00} XXXX open date XXXX XXXX Last active XXXX {$1500.00} XX/XX/XXXX - open date XXXX XX/XX/XXXX - Last active XXXX I asked to have information verified and then the companies XXXX, XXXX XXXX XXXX would respond Verified and Updated but I have no documents as proof. 
{$2000.00} XX/XX/XXXX - Open date XXXX XX/XX/XXXX - Open Date XXXX XX/XX/XXXX - Open Date XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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 — Their investigation did not fix an error on your report
Company: CL Holdings LLC
State: AZ

Complaint narrative:
requested to have this information removed several times after it was paid and contacted the company which the number listed with them was not going through and the original company had no knowledge if being sent to collections - as I was current and paid. 
I have disputed this to be removed and all would get back is it has been verified and updated. by XXXX several times. 
{$230.00} XX/XX/XXXX open date - XXXX XX/XX/XXXX Last reported. - XXXX I requested to have information verified and to send all the information requested from the date the account opened to current in which I wanted to know how this account accumulated to this amount and I needed the Original Signed contract and still did not get any information and this information is on my credit reports did not match at all. 
I have Disputed these below several Times which again I get the Has been verified and updated with no proof. 
{$740.00} XX/XX/XXXX - open date XXXX XX/XX/XXXX - open date XXXX XX/XX/XXXX - last active XXXX XX/XX/XXXX - last active XXXX XX/XX/XXXX - open date XXXX XXXX last active XXXX {$2500.00} XXXX open date XXXX XXXX Last active XXXX {$1500.00} XX/XX/XXXX - open date XXXX XX/XX/XXXX - Last active XXXX I asked to have information verified and then the companies XXXX, XXXX XXXX XXXX would respond Verified and Updated but I have no documents as proof. 
{$2000.00} XX/XX/XXXX - Open date XXXX XX/XX/XXXX - Open Date XXXX XX/XX/XXXX - Open Date XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo bought my mortgage for my condominium. My mortgage is not supposed to have an escrow account, yet they are charging me for escrow, but they are not paying for my taxes, or insurance, or Condo Association Dues. I pay them myself. Last year I had a lot of trouble getting my flood insurance renewed for my condominium. So, Wells Fargo started sending me threatening letters and charging me an exhorbitant amount for insurance. I have since been able to get my own policy. I have paid back Wells Fargo for the lapsed time of my coverage, yet they are insisting to continue to charge me for escrow, without paying any bills with escrow money. I have contacted Wells Fargo twice in consecutive months after I receive my statement. Last month they assured me that the matter was resolved, but then they kept adding escrow charges to my non-escrow mortgage.

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 2023-05-08 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: CA

Complaint narrative:
I received a notification on my Credit report that there was a new " loan '' from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 
I did not open this account and have no contract or proof that this account is mine. This is fraudulent. 
I called the phone number and a 3rd party reporting agency said it is for a Rental agreement under my name and DOB in XXXX, FL which I do not and never have lived. 
This needs to be removed from my credit report and account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: AES/PHEAA
State: NY

Complaint narrative:
I was notified through XXXX that there was a credit alert on my account. The alert said that AES was trying to reach me and was unsuccessful. My email and phone number have not changed in well over 10 years and I have lived at the same address for nearly 7 years. I immediately logged in to my AES account and could clearly see that my contact information had not changed. I reached out to AES via their online chat and I was told by the agent that my contact information had " inadvertently been removed '' and that I would need to contact AES by telephone. I explained that I was looking at my contact information on the AES wesbite and that it had not changed and was not removed. The agent told me that there was no contact information on their end, despite me receiving monthly statements by mail regularly. I filed a dispute through XXXX which resulted in " the information you disputed has been verified as accurate ' when in fact the information is not accurate. My contact information never changed and if AES was unable to locate my contact information, it was through no one 's fault but their own. I have attached the chat log in which the agent admits that the problem with the missing contact information was in fact the fault of AES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: LA

Complaint narrative:
I have reached out to these companies on XX/XX/2023 stating that this inaccurate unknow information is not mine and I need it deleted. I asked these companies to verify these unknown, inaccurate accounts which is to provide me the original contract or agreement with my wet signature, and the statements where they interviewed others who know me. It has been over 30 days and these companies are continuing to violate my consumer rights and ignoring my request. I have provided what is stated by law needed to provide my identity and that I XXXX XXXX is a real natural person. These companies are reporting new negative information every month which is illegal. These companies have caused me and my family financial hardship because they are illegally continuing to report unknown negative information on my credit report which has made it difficult to find a job, and place to stay for my family and I.

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 2023-05-08 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: IL

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,, 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 explanation
Consumer complaint received 2023-05-08 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My name is XXXX XXXX and I am writing to file a complaint against JPMCB CARD for inaccurate reporting on my credit report. On my credit report from all three credit bureaus, there is an account with JPMCB CARD listed as a charge-off. The account number is XXXX, and the balance is listed as {$2700.00}. 
The charge-off was reported in XX/XX/2022 by all three credit bureaus, and it is negatively impacting my credit score. However, this charge-off is inaccurate because I did not have any unpaid balance on the account. Furthermore, the account was closed due to inactivity, not because of any unpaid balance. The account was also never past due. 
I have attempted to resolve this matter directly with JPMCB CARD, but they have been unresponsive to my requests for them to correct the inaccurate reporting. I believe that JPMCB CARD has violated the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ) by reporting inaccurate information to the credit bureaus. I also believe that they have violated the Metro 2 credit reporting guidelines by reporting an inaccurate charge-off.

I request that JPMCB CARD immediately remove the inaccurate charge-off from my credit report and take corrective action to prevent this type of inaccurate reporting from happening in the future. I also request that JPMCB CARD provide me with a written explanation of how this error occurred and what steps they have taken to prevent it from happening again. 
Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc.
State: TX

Complaint narrative:
I have a used car auto loan with Car Max Auto Finance ( CMAF ). When I pay more than the amount due, CMAF " holds '' or escrows the money instead of applying it to the principal balance. CMAF states on it's monthly statement " Please call use if you prefer that we only apply excess payments to your principal balance without further advancing due date ''. CMAF refuses to honor this request on the account and insists that I call every single time I want excess funds applied to the principal balance. 

On XXXX XX/XX/2023 I spoke with " XXXX '' at CMAF who applied {$890.00} of money to my principal balance of approximately {$9400.00}. 

I believe CMAF is engaged in billing practices which unjustly increase the interest paid by consumers over the life of the loan. CMAF continues to earn its full interest on the loan by " holding '' the money interest free. When asked CMAF employees had a difficult time telling me who the regulator was. They stated that they follow FDIC practices and seemed confused when I let them know FDIC is deposit insurance for bank accounts. 

I have never been late on my loan and intentionally pay more than the amount due to reduce my interest expense and pay off my loan earlier. I find it infuriating that I have to call them if I don't want to give them free use of my money until they apply it to my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I purchased a used 2023 XXXX XXXX from XXXX XXXX XXXX in XXXX, OR on XX/XX/2023. I repeatedly told the salesperson ( XXXX XXXX ) I did not want to purchase an extended warranty with purchase of my vehicle. The dealer included an extended warranty with purchase of my vehicle at a cost to me of {$1200.00} even though I repeatedly expressed I did not want to purchase an extended warranty under any circumstances. The salesperson ( XXXX XXXX ) misrepresented the purchase of the extended warranty as I was signing all the required paperwork. The salesperson ( XXXX XXXX ) led me to believe the extended warranty I was purchasing was actually a factory warranty at no cost to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
Between XXXX XXXX and continuting they closed and blocked my account preventing all of my deposits to come in totaling of maybe XXXX is not more

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 2023-05-08 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: Freedom Mortgage Company
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Fl XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act. 
15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a loan account under open-end consumer credit plan as late for any purpose.

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 2023-05-08 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: HI

Complaint narrative:
Dear Transunion, THE FOLLOWING CLAIMS INJURIOUSLY REPORTED VERSUS ME FAIL TO MEET MINIMAL FEDERAL REQUIREMENTS TO REPORT LEGALLY SO I HERE NOW ENACT MY CONSUMER RIGHT TO CONTEST AGAIN THE REPORT-ABILITY OF EACH NOTED UNCONFIRMED CLAIM BELOW AND MY CHALLENGE IS FOR THE DEMONSTRATION OF THE FACTUAL AND TESTIFIABLE CERTIFIED COMPLIANT REPORTING PROCESS AND THAT THE MANDATED ADHERENCE TO THE PERFECT " METRO 2 '' FORMATTED REPORTING STANDARD WAS IN FACT OBEYED!! ANY DEVIATION INCLUDING OMMITANCE OF REQUIREMENTS, BRINGS TO CONCERN REPORTING OF INFORMATION NOT ETHICALLY AND OR EVEN UNLAWFULLY DONE SO! 

DELETE NOW OF DOCUMENT THE CONFIRMED FACTS FOR EACH : XXXXXXXX XXXX XXXX XXXX ALLEGED CHARGE OFF XXXX XXXX XXXX XXXXALLEGED CHARGE OFF XXXX XXXX XXXX XXXXALLEGED LATE PAYMENTS IN ACCORDANCE WITH THE FCRA SECTION 611 ( 15 U.S.C 1681 ( I ) AND IN ACCORDANCE WITH THE ACCEPTED OF METRO 2 DATA FIELD REPORTING , I AM HERE NOW ENACTING MY RIGHT ( S ) TO CONTEST QUESTIONABLE AND OR CLAIMS ALLEGED, YET STILL UNPROVEN TO BE EACH TRUE, CORRECT, DOCUMENTED AS VALIDATED AND OR ELSEWISE UNDENIABLY CERTIFIED COMPLIANT INFORMATION INCLUDED ON MY PERSONAL TRANSUNION CONSUMER CREDIT REPORT. PLEASE STOP REPORTING ANY ALLEGATION OF DEROGATORINESS AND OR DELINQUENCY WITHOUT FACTUAL DOCUMENT PROOF. 
PER FEDERAL AND APPLICABLE REPORTING LAWS OF MY STATE, YOU MUST REPORT WITH GREATEST COMPLIANCE AND ACCURACY. 
I REQUEST AGAIN PHYSICAL AND DOCUMENTED PROOF OF YOUR ADEQUATE INVESTIGATION AND THEN PLEASE SEND ME MY UPDATED PERSONAL CREDIT REPORT FOLLOWING YOUR CORRECTIONS. THANK YOU

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 2023-05-08 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I do not have a contract nor any contract with LVNV FUNDING LLC. I have never done business with this company. I am not liable for collect from this debt from XXXX XXXX XXXX  FOREVER. I am not responsible for this debt from LVNV FUNDING LLC. I am asking for an original signed contract, including any electronic signatures, full payment history from the original creditor, and the original purchase agreement, and if the company can not provide all three of these the debt is in fact invalid and needs to be immediately removed from all three credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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:
XXXXXXXX XXXX XXXX  Account info Account number XXXX I have my own XXXX XXXX and its paid on time XXXXXXXX XXXX XXXX XXXX Account info Account number XXXX {$21000.00} This is not my account My address is not XXXX XXXX XXXX XXXX XXXX fl XXXX I live at XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX fl XXXX for 6 years

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 2023-05-08 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:
XXXXXXXX XXXX XXXX Account info Account number XXXX I have my own Baclays cc and its paid on time XXXXXXXX XXXX XXXXXXXX XXXX Account info Account number XXXX {$21000.00} This is not my account My address is not XXXX XXXX XXXX XXXX XXXX fl XXXX I live at XXXXXXXX XXXX XXXX XXXXXXXX XXXX fl XXXX for 6 years

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