vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-11 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: KY

Complaint narrative:
To whom this may concern. I am writing this matter on my own without any assistance of any third party. I shall now continue with my dispute. According to the Fair Credit Reporting Act, the following creditors are infringing on my federally protected consumer rights to secrecy and privacy under 15 usc 1681. XXXX are violating my rights, XXXXE are violating my rights, XXXX are violating my rights,. My fourth amendment rights are being violated by the creditors and the credit reporting company Equifax. My personal information should be safe and private within my paperwork, but it isn't because it's being shared with consumer reporting companies without my prior approval. My personal information is being disclosed to consumer reporting organizations without my express agreement, therefore neither my papers nor I are secure. My documents are not safe, which violates my fourth constitutional right. I also have a right to privacy, it 15 U.S Code 1681 section 602 A of the Fair Credit Reporting Act says. I feel like I'm being taken advantage of and that the mentioned creditors and credit reporting agencies are working together to harm me because my right to privacy has already been violated. I'm being treated unfairly and had my rights violated. A consumer reporting agency can not provide an account without my written instructions, and the mentioned creditors lacked the legal authorization to send my social security number to Equifax, one of the credit reporting agencies. 15 U, S Code 1681 Section 604 A section 2 states that. Because I never authorized nor granted permission for what the aforementioned credit reporting companies are doing to me, they are guilty of aggravated identity theft and may go to jail. 15 US Code 1681c ( a ) ( 5 ) states very clear that 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. By law, none of the accounts I've specified above may appear in my consumer report. 15 US Code 1681s-2 ( A ) ( 1 ) states 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. Prior to filing this complaint, I informed each of the mentioned creditors that their information was in fact unreliable, erroneous, non verifiableand incomplete. Thank you for your attention to this matter ; I assure you will not discriminate. I demand that these accounts be deleted immediately, or I will file a lawsuit for the questions and emotional distress this matter is causing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I rented a car on XX/XX/2022 and returned it on XX/XX/2022. The company placed an authorization on my card for {$3100.00} as insurance against damage to the car. The car was returned without any new damage or other issues on XX/XX/2022 before XXXX local time ( the end date and time on the contract ). Instead of releasing the authorization as required upon return of the car my card was fraudulently charged for the full {$3100.00} ( XXXX XXXX ). 

I have reported this to the JP Morgan Chase four separate times in writing with all relevant details but they have only sent meaningless vague form letters that do not address the issue ( example ) below and have failed to credit me for the fraudulent charge as required by law. This is a frequent and ongoing problem with JP Morgan Chase. It has happened many times in the past and continues to happen on a regular basis. 

Additionally, the company in question XXXX XXXX XXXX ( aka " XXXX XXXX '' ) is well known for similar frauds and this is easily verified with a simple google search.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: WA

Complaint narrative:
I have a dispute with a service from XXXX XXXXXXXX XXXX I disputed it with Discover in a timely manner. Discover has gone back and forth on this for several months, and now they say they have information it is a proper charge. I have not received any of the documentation, and also, Regulation E requires disputes to be resolved within two billing cycles. The 2nd billing cycle would have expired on XX/XX/XXXX, and Discover has made this decision on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 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 have 14 hard inquiries from TransUnion report that are not mines... please remove

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 2022-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: M&T BANK CORPORATION
State: DE

Complaint narrative:
Please help me. 

Someone stole my identity and has been opening accounts in my name for the past several months. I have NEVER lived outside of Delaware. There is a XXXX OH address on my credit reports- it's not accurate. They have used that address to send credit cards to. 
I do not bank with Bank XXXX XXXX, XXXX XXXX, XXXX or M & T.

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 2022-09-11 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 — Was not notified of investigation status or results
Company: Credit Karma, LLC
State: WA

Complaint narrative:
Credit karma approved my times for loans and credit cards.I applied many times and was denied and it made my credit score go down.They sent me many notifications from their app saying I was approved and through email.My credit went down and they told me it would not affect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Unauthorized hard inquiry on 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 2022-09-11 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: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
Unauthorized inquiries on credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
By checking attachment should notify you as progressive settling XXXX XXXX XXXX on vehicle that XXXX lies about paying off. I request repossession document which includes VIN number, date it was repossessed. Im writing about the following data that appears on my credit report. Im challenging the validity of this record showing a debt that is recorded in my system under the FCRA, Fair Credit Reporting Act, Section 609. I am asking you to verify this record. If you can not verify this record, I request you remove this data from my account immediately. 

Disputed Item 1 <XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX > Reasons why this is an error : 1 ) car was traded in for upgraded vehicle. XXXX to XXXX XXXX 2 ) dealership changed bank from XXXX XXXX XXXX XXXX XXXX XXXX 3 ) only one bank should be reported as completed and closed which should be XXXX 4 ) no repossession 5 ) repossession documentation, when car was towed and repossessed. Car cant be repossessed and new loan opened same bank.

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 2022-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
On XXXX XX/XX/21 it was reported on my credit that I had a late payment with XXXX XXXX XXXX, this information is incorrect.

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 2022-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
15 U.S. Code 1681eb Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2022-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX  approximately {$100.00} usd was extracted out of my account from a strange cashapp account that I dont recognize. Nobody has my card or password. This was straight up hack and scam situation. Ive been disputing this charge for months only to keep getting declined by cashapp or given the run around. Cashapp needs to be held accountable as much as the culprit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: WI

Complaint narrative:
On XX/XX/2022 I called the company to inquire about the status of my complain sent via online portal; was not addressed. I was then told that my car was out for repossession. I explained why and how my payments have gotten behind. I did request as for the same with every conversation that I need to be able to make smaller payments or refinance the loan. I did also request a coupon book be sent 3 weeks prior to repossession and it was not honored. I implied that I would like to make a payment via 1099A process and they refused to accept it. I have acquired a lawyer because of the breach of peace when the vehicle was repossessed. There is also another account that I have paid off and has not been removed from credit report and is still reporting with no balance owed. I was advised to contact the dealership to speak with them about payments and how can i rescind my signature to void out the contract. I was advised that they did not have any information and would not help me with this. now my last major concern is that I was informed 3-4 hours prior that i can pay 1 monthly payment and it will remove the repossession. By the time they came to pick up the vehicle the amount to pay is no {$1500.00} ; which is double the payment plus interest.

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 2022-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
Caine & Weiner has willfully violated me as a consumer. I did not receive a notice to dispute this alleged debt prior to them furnishing the amount on my consumer report. Our initial communication was deceptive as they did not give me the opportunity to validate or dispute this debt. They enforced payment on several occasions. They were instructed to cease communication before and have still attempted to coerce payment of this alleged amount of {$310.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
CCS is attempting to collect an alleged debt with the necessary verification. As the consumer I was denied my right to dispute. They did not send me the opportunity and have willfully furnished biased information.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 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: KY

Complaint narrative:
I was checking my credit report and my credit information has been breached and I have reached out to transunion to dispute the inquiries that are unknown to my knowledge. and they have not responded and still have not removed them. I have filed a ftc report and my reference number is XXXX and the confirmation is XXXX and these inquiries should be removed 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 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 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 2022-09-11 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: NY

Complaint narrative:
I have my private loans consolidated to the lowest amount that Sallie Mae, the lending service that issued my private loans for school, however it is still an amount that I can not sustain with the job I have now. The amount that I pay each month is solely to pay off the interest ; none of my payments go toward the balance that I owe. This, along with paying rent for my apartment ( which is a lower amount than I owe Sallie Mae ), has become unsustainable financially. I pay {$740.00} a month to Sallie Mae. My rent is {$700.00}. I have to work XXXX XXXX XXXX  jobs that are hardly above XXXX XXXX  in my state to keep lenders from badgering my co-signer. I would like to know if it is possible to lower the amount I owe Sallie Mae each month. The loans have already gone through a period of forbearance and according to them, through direct conversation, this is the lowest they can bring the total down. It is not enough when taking into my financial limitations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV have aggressively tried to collect an alleged debt they did not validate. They purchased this debt without properly notifying me of the action. The refused me of my right to dispute. This debt buyer company thinks they are bigger than the law. They have tried to coerce payment on several occasion through consistent emails demanding a payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CLGF Holdco 1, LLC
State: OH

Complaint narrative:
I had a charge on my credit card through indigo and it put my credit limit to the max, my XXXX score dropped XXXX XXXX and my XXXX dropped XXXX XXXX .I did not make this transaction I contacted indigo and they cancelled my card and sent me a new one, I can not have this fraudulent transaction drop my credit score, im trying to buy a house, yours truly

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: NV

Complaint narrative:
This is was attached to bankruptcy and the car loan denied to remove

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 2022-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have already contacted the original creditor and informed them of the identity fraud that I have been dealing with. Im not sure why this company is maliciously trying to collect a debt that isnt owed by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: BMW Financial Services NA, LLC
State: NV

Complaint narrative:
The car has been reprocess, I was try to resolve the problem due to the financial hardship with the XXXX XXXX  and work a few day sometimes pay the rent and not enough to pay to car, was contact them since the California has push the payment and people who is struggling to pay till the XXXX XXXX XXXX XXXX XXXX XXXX. The BMW wasnt assist at all, they were repo my car

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc.
State: FL

Complaint narrative:
Using unconstitutional debt practices to attempt to collect a debt they purchased. This debt was not validated or disputed by me before they provided the delinquent information to the credit reporting agencies. This company is willfully disregarding the laws in place under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
i was a victim of identity theft i use my information to open credit card accounts with best buy and macys they are from the same bank citi bank, they have been calling me regarding a debt and sending letters to my house, without me authorizing those cards now They want me to pay accounts that were not authorized by me, accounts that I do not personally use, please I need help to solve this problem.

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