vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-11 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: TN

Complaint narrative:
SEE ATTACHED DOCUMENTS In accordance with the Fair Credit Reporting act XXXX XXXX XXXXt # 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

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 2023-02-11 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: EQUIFAX, INC.
State: TN

Complaint narrative:
SEE ATTACHED DOCUMENTS In accordance with the Fair Credit Reporting act XXXX XXXX   Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 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: FL

Complaint narrative:
It has come to my attention that XXXX XXXX is a Debt Collector in accordance with the FDCPA 15 USC 1692a ( 6 ) and have violated my consumer rights by way of nondisclosures, uninformed use, and unfair collection practices ; I, XXXX XXXX am a Consumer/NaturalPerson Pursuant to 15 USC 1692 ( a ) congress finds theres an abundance of abusive, deceptive, and unfair debt collection practices being taken place.

The purpose of the subchapter is to eliminate abusive debt collection practices by debt collectors. Furthermore, Congress also finds that the economic stabilization will be enhanced with the informed use of the extension of consumer credit to consumers pursuant to 15 USC 1601 ( a ) of the Truth In Lending Act, all while protecting the consumers privacy and nonpublic personal information in accordance with the GLB Act. In accordance with 15 USC 1692g ( b ) this debt is considered disputed and Im requesting the name and address of the original creditor.

You shall cease all collections of these alleged debts until youve obtained the appropriate lawful documentation, verification/original creditor/judgment. Pursuant to 15 USC 1692c ( c ) ( 2 ), I'm invoking my specified remedies as the original creditor and refusing to pay this alleged debt and demanding you cease and desist any further communication and collection unless to further the investigation, notify me of demands being met, or consumer requests for additional information ( i.e Debt Validation, Affidavit Of Truth ). Audit Trail of alleged debt- 5 USC 552a ( d ) GAAP Zero out the balance on the account Remove Account Retract late payments..XXXX 15 USC 6802 ( b ) ( 1 ) ( B ) no opt out given Failure to honor the demands provided the required documentation for verification and validation of this alleged debt within 14 days of receipt of this notice shall ; a. ) Be taken as tacit agreement to the claims set forth ; b. ) Grant the consumer all demanded remedies ; or c. ) May result in litigation/Arbitration

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 2023-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had a check deposited into my account that I didnt do and its closing my account for fraud so I turned off my card and I let them know and they sent over a new card but they are still going to close the account for fraud

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 2023-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
I recieved a debt collection letter in the mail, around the first of XXXX, for a fraudulent Uitlity bill from XXXX XXXX out of XXXX. This bill was dated for XXXX of XXXX. This was the second time in six months that this company XXXX XXXX sent a collection company after me for a fraudulent account opened in my name. The first time was in XXXX of XXXX for and account opened in XXXX of XXXX. I went to the police both times and filed a report. I also filed on theft.gov. The first collection agency removed the collection from my credit report immediately on receiving my paperwork. Online Information Services was mailed two certified letters with police report and theft.gov letters. They wanted me to send a copy of my social security card and drivers license, but I refused. Instead, I sent a letter from my school where I have taught for the last 4 years to prove that I did not live in XXXX but 200 miles away. I also sent a copy of my trash pickup service dated for XXXX of XXXX. They said that my packet was incomplete .... XXXX XXXX contacted me XX/XX/XXXX and said that they determined that the account was fraudulent. However, Online Services placed the collection on my credit report anyway. Then, I filed a dispute with XXXX! Online Information Services has now said that the collection was paid on my credit report and my score has dropped over 50 points. Because, it still appears that there was a collection against me ... ... .The first collection agency had no problem removing this fraudulent charge from XXXX off my report. However, Online Information Services has a bad reputation of doing this very thing quite often! Just read their online reviews. I am XXXX, a widow, hardworking XXXX XXXX XXXX XXXX I think that these two companies, Online Information Services and XXXX XXXX should both be reported for bad business practices. What utility company would allow a person to not pay their XX/XX/XXXX bill or XX/XX/XXXX bill but still open another account in XXXX in the same persons name and let both bills go unpaid! Then send me a collection notice in XXXX and XXXX to my REAL address. Online Information Services also sent me a copy of the XXXX XXXX bill with not one phone number on the bill to contact the company... .Something shady is at work here!!!! Both bills were for the exact same amount {$1000.00} ... .that is questionable also ......

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-11 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have an ongoing problem with the reporting credit bureaus mainly Exquifax. I waited after all positive reporting on my credit report for the past three to four months. Last month they gave me a negative point two months before that another negotiate point. This month another negative 8 points. For the past year I have paid on time on all credit 100 percent. I only had XXXX unpaid accounts that should have been charge offs but became garnishments now down to XXXX. After waiting three months to see an increase on my credit score after extremely good credit performance I still continue to get negative or no increase at all. My score should be in the XXXX at this point they have me at XXXX I will never purchase a home or a new car at this rate after being retired for 9 years. If this isnt blatant discrimination I dont know what is. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ

Complaint narrative:
For several months, Carrington Mortgage has been harassing me. They are calling me threatening me with putting my house in foreclosure. Telling that they are not going to pay the property tax. Claiming that I have been missing payments. Also, they are sending false information to the three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 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: 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 XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX 15 USC 1681 section 602 A. States I have the Right to privacy 15 USC 1681 Section 602 A section 2 : It also the state a consumer reporting agency can not furnish a account without written Instructions 15 USC 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 items of information othe than records of convictions of crimes which antedates the report by more than seven years 15 USC 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 2023-02-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc

Complaint narrative:
Hello I want to report paypal for permanently limiting my account that i used for only 1 transaction. There is a balance of XXXX usdt and i can not withdraw it. Pls help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
I have reached out to a company named XXXX XXXX, Account # XXXX. 
this account was supposed to be closed due to the fact that the Vehicle XXXX XXXXXXXX XXXX purchased later reposed and sold at an Auction. The company has continued to send mail asking for full payment, although it was sold.

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 monetary relief
Consumer complaint received 2023-02-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Back in XXXX of XXXX I excitedly purchased a XXXX XXXX financed through Credit Acceptance. I was told that my truck would be {$19000.00} which seemed like a fair price considering the truck was beautiful and In wonderful shape. I signed papers digitally saying this and then once I received my copy there was an extra {$10000.00} for a finance fee that I honestly had no knowledge of. I was not aware of this so now Im paying {$29000.00} plus for a XXXX I never would have done that I was told my payments would be {$600.00} but not to worry it would go down with down payment lies and car broke down less then a month. Contacted dealership and they pretended like they didnt know what I was talking about everything is as is so I was stuck. I told my family and friend with no reveal I just seen the lawsuit and realize that I am a victim of the lies and deceit on both the dealer and the financial dealer. Im just stuck and my transmission just went out so I had to hustle and make kids go without to get {$4200.00} for a transmission on a {$30000.00} XXXX XXXX really sickened Credit acceptance should be shut down so many ruined lives and credit scores.

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 2023-02-11 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: OH

Complaint narrative:
In order for there to be truth in lending and for me as a consumer to get the best rates possible reports should be 100 % accurate. Attached you will find screenshots of my reports

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 2023-02-11 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 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 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-02-11 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: EQUIFAX, INC.
State: IA

Complaint narrative:
XXXX XXXX # XXXX Dear Credit Bureaus, I hope this letter finds you in good health and high spirits. I am writing to bring to your attention a matter of discrepancy in my credit report that requires your urgent attention. 

I have recently reviewed my credit report and I have discovered several errors that are affecting my credit score. The discrepancies include outdated and inaccurate information about my payment history, incorrect account balances, and duplicates of certain accounts. 

These errors have caused a significant decrease in my credit score and have made it difficult for me to obtain credit when I need it. I understand the importance of maintaining an accurate credit report and I request that you take immediate steps to correct these errors. 

I have attached a copy of my credit report, highlighting the discrepancies that require your attention. I have also included documentation supporting the correction of these errors. 

I request that you take necessary steps to delete the incorrect information as soon as possible. I would appreciate a prompt response to this letter and I look forward to hearing back from you soon. 

Thank you for your attention to this matter. I am confident that with your cooperation, we can resolve this issue quickly and efficiently. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 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: OH

Complaint narrative:
Im order for there to be truth in lending and for me as a consumer to be able to get the best financial opportunities in the markets, CONSUMER REPORTS SHOULD BE 100 % ACCURATE

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 2023-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I asked the credit bureau to do a verification of everything on my credit report, and they say that they did and stated that everything was accurate. I did a thorough research myself and found improper inaccuracies on the credit report even after they did the thorough research. In accordance with the fair credit reporting act convergent account Experian has violated my XXXXights..with a BK on my report 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.

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 2023-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I applied online for a Chase Bank Amazon Prime Credit Card. I was mailed the credit card and activated it. EVERY SINGLE DAY, MY CARD IS FLAGGED FOR FRAUDULENT PURCHASE EVEN IF I AM ONLY MAKING A SMALL PURCHASE AT A LOCAL GROCERY STORE. THIS is causing a major inconvenience to my life. My card then I try to call and unlock it and Chase tells me that my phone number is not allowed to be sent a one time security password via text message. I have XXXX service and its a plan in my name with no call blocking features. Sometimes rarely instead of a text message they will ask me security questions based upon public information and my account will be unlocked but I will be able to use my card one time after it is unlocked and then it freezes again! I do not know where to turn, I need help this is causing a major problem to my life. I applied for that card to help me survive until I have other wages come in and I can not do anything. I can not buy food, pay car expenses, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
If you look at my credit file from this creditor the balance was paid on XX/XX/2022. XXXX continued to charge interest on a {$0.00} balance. I made the final payments, account was showing as closed. when I disputed, they randomly re-reported the account as opened in XXXX and charged fees from {$0.00} up to {$270.00} dollars, reported it as 6 months past due, and the charged off this account. This has greatly and negatively affected my credit report on a huge error. 
XX/XX/2022 - {$750.00} balance paid in full XX/XX/2022 - {$2.00} balance, paid because I guess outstanding interest. 
XX/XX/2022 - {$4.00} balance, this should not exist, why after 2 months after payoff I being charged at all? 
XX/XX/2022 - {$11.00} balance, this should not exist, why after 3 months after payoff I being charged at all? 
XX/XX/2022 - {$24.00} balance, account now shows as closed no credit reporting for 6 months after this. 
XX/XX/2022 - {$270.00} balance, {$270.00} of which is fees is now shown and shown as 6 months past due. This is entirely predatory to charge {$270.00} on a {$2.00} balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-11 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: LA

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. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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 vears. 
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. XXXX 's accounts XXXX charge of

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CO

Complaint narrative:
This complaint relates to MOHELA account for XXXX XXXX ( account ending in XXXX ). I recently submitted a formal letter in XXXX XXXX stated that my qualified payment count was incorrect because I was allowed to improperly remain in forbearance for over 36 months. My file also includes a forbearance form submitted in XXXX XXXX attempting to document this period. My employer certification forms are still not up to date. I have hit well over 120 payments and should be due a refund from payments made after XX/XX/XXXX. I am at 185 eligible payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Heritage Financial Group, Inc.
State: IL

Complaint narrative:
This Auto Loan was obtained by an identity thief. This auto loan does not belong to me! please properly and thoroughly investigate this account. Please Remove This Account.

Company response to consumer: Closed with explanation