vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-21 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
There are inquiries on my credit report that do not belong to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: OH

Complaint narrative:
I have previously filed a complaint with the CFPB and the response from Weltman , Weinberg & Reis Co, LPA that is handling the debt collection case for XXXX, XXXX is not correct. Yes - Weltman, Weinberg & Reis, did provide the original loan agreement from 20+ years ago for the furniture debt, from XXXX XXXX that went out of business. This loan was consolidated into my Mortgage and was included in my Judgement in PA when my home was foreclosed on in the early XXXX 's. Furthermore, Weltman, Weinberg & Reis did notify me AFTER they received a judgement for this debt in XXXX XXXX XXXX, however, I was not made aware or notified of the debt at that time nor the court date. I was not living in PA during this time, and was only notified by correspondence to my new address in Ohio AFTER the judgement was obtained. I have requested to have a hearing in XXXX XXXX XXXX with XXXX XXXX and have provided paperwork to the courts. I have offered since being in contact with the debt collector on 3 separate occasions a settlement on the original amount of the debt. The debt has increased from XXXX to over 12,000.00 due to a 6 % interest rate that the attorneys nor XXXX, XXXX will stop. WE NEED HELP IN RESOLVING THIS!. We are now being threatened again with garnishment papers. When I contacted the atty 's office on XX/XX/XXXX, they stated that the account notes show NO SETTLEMENT. The collector was very rude and stated that they tried to contact me and their collection notes show no answer. I proposed a settlement on the original amount as I have acknowledged the debt, however, I do not agree on the unscrupulous business tactics that were done to obtain a judgement and NOT STOP THE INTEREST from accruing all these years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: Block, Inc.
State: OH

Complaint narrative:
I want to make a complaint towards cash app. Everytime I open an account a day or two goes by and they send me something to verify my identity. I provide whatever information they are asking for, including linking MY bank account and debit card and they still shut my account down because they claim they can not verify my identity. I end up having to withdrawal my money and try and open another account. I completely understand then wanting to verify identity, that is a good thing, but once I verify it then they should leave me alone. I have contacted them and get no real response or reason why they continue to do this to me. I do not want 20 different cash apps opened in my name with my information floating around but they force me into opening.another account everytime they shut the one I am using down. This is getting ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: SANTANDER HOLDINGS USA, INC.
State: SC

Complaint narrative:
In accordance with 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681s-2

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
An inquiry was made in n my report by error. XXXX XXXX XXXX XXXX ( XX/XX/2023 ) I did not authorize this inquiry.

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 2023-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/23 I sent transunion a dispute letter certified mail ( XXXX ) asking TransUnion to re-investigate the late payments on my student loans because I was never late and asked them to send me proof of verification, to which I did not get a response violating several of my rights under FCRA.

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 2023-03-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
XXXX {$10000.00} I traded in my XXXX XXXX XXXX for a XXXXXXXX XXXX XXXX. The car broke down the first week. There mechanic fixed the problem but it still broke down. We contacted XXXX XXXX he gave me my XXXX XXXX to drive until the repair was done. But still had issues with the truck. It had problems already when we got it. 

XXXX {$12000.00} XXXX XXXXXXXX XXXX it had problems with it as well abs fault light is on and the car needed a core pack. Contacted XXXX XXXX about he never fixed it. So we had to. And the price for it was not what he said and its not a match on XXXX. Also he never registered the vehicle to dmv. 

I contacted Credit Acceptance about both of the vehicles and I try to get in contact with XXXX phone about the car so he would tell me where it was located and the representative I spoke to she wrote everything down. And also when I told them about the problems I was having with the XXXX XXXX the representative told me that they can come and pick it up and resell it so I was never contacted letting me know that someone came or called a mechanic about the XXXX XXXX and they said that it was not worth them picking up. I also told them about the price of the XXXX XXXXXXXX XXXX and the price was way too high is not the same on XXXX and I needed it to be down

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 2023-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Midland Credit Management is attempting to collect a debt for XXXX XXXX XXXX that has already been proven to not belong to me and has been removed from my consumer credit report from 3 major credit bureaus. Both of these companies were sent a validation request as well as a cease and desist. Neither company has been able to provide and proof of any debt owed by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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:
On XXXX XXXX, 2023, I got a notification from XXXX that my score dropped. I checked it immediately and found out that an account was opened under my name without my knowledge. It was for secured loan of with XXXX XXXX XXXX ( Address : XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX ) XXXX ) for {$3000.00}. I knew right away that this isn't mine of course because of so many red flags. One, I never apply for a secured loan because I don't do collateral. Second, when I checked my personal information, there were inaccuracies in the information. An address that I am not familiar with was on my file. This definitely made it clear that someone had access to my personal information and that my identity has been compromised. I immediately called the bank ( XXXX XXXX ) to whom the loan was made to let them know that the account created under my name was fraudulent but the representative told me to call another company XXXX XXXX to file a fraud/complaint. I tried calling XXXX XXXX and of course it is an automated voicemail with instructions on how to report fraud. I emailed the XXXX XXXX at this email address - XXXX. At first, they instructed me to file a report to www.identitytheft.gov which I did and submitted this report over to them along with a cover letter explaining why this account was fraudulent. I gave all the information that threw red flags on my report including an unknown address that I've never seen on my report. I submitted the documents on XX/XX/2023 and followed up on XX/XX/XXXX but still no response from this company but they keep on reporting to the credit bureaus. I submitted these documents to all three credit bureaus and told them about the fraudulent account. As an additional precaution, I also froze all accounts on all three credit bureaus. I am just disappointed with Transunion when I got a reply saying they won't change my credit report even with the inaccuracies in my personal information in the report. I would just like to get this account off my all my credit reports because of the obvious inaccuracies and plus, I don't really do Secured Loans because I don't have collateral. I wonder what collateral was used to secure this loan.

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 2023-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My XXXX and TransUnion scores continuously fluctuate XXXX points with no real changes to my credit file. I am in the process of obtaining a mortgage and these fluctuations continue to happen sometimes in a matter of days.

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 2023-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
My credit score is incorrectly shown.

My social security number and other information was found on the dark.

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 2023-03-21 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: WA

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My Equifax and XXXX scores continuously fluctuate XXXX points with no real changes to my credit file. I am in the process of obtaining a mortgage and these fluctuations continue to happen sometimes in a matter of days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: WA

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2023-03-21 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: WA

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2023-03-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: American First Finance, Inc.
State: MI

Complaint narrative:
Received a letter in XXXX from American first Finance. The letter stated they were going to deduct the payment out of a debit card ending in XXXX. This was not my card and I did not know this company so I called and told them they sent the letter to the wrong person.The person asked me for personal information. I thought this was a scam so I did not give them the information. the Company did not have my phone number, email. They were also not able to find an account in my name so I left it as a mistake. I then kept getting letters that I owed them money. A report was placed on my XXXX XXXX Credit report. some one obtained a loan for XXXX dollars in my name. after months of contact with the fraud department and employing a fraud agent. they keep saying it was me. Supposedly someone ordered furniture from American freight in Michigan somewhere. The day this loan was taken I was at work. I can prove this. also apparently they picked up the furniture. So the do not know when it went. The company was asked to look into the dept card bank and name. pull security footage and to compare signature on the loan document to my drivers license. They said they would not do this because last time they investigated a claim it was the person to took out the loan. I filed a XXXX  report and they sent the contract for a XXXX XXXX. I gave them the account number on the letters. They are not even looking at the claim or the reports. it is clear who ever did this paid XXXX dollars. how did they pay. who XXXX the debit card. what phone number and email address do they have. you can trace my car and phone and it will prove I have never been at American fright. Also I would never take out a loan of this type. I just bought a 23 truck and paid cash to avoid interest. look at my credit report I do not take out loans. I am retired and paying off any loans I have. please help to clear my name. this has been going on too long.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: OH

Complaint narrative:
On XX/XX/2023 my wife received a call from a company called XXXX XXXX XXXX, and they said that they are part of the " XXXX XXXX XXXX ''. 

They shared information about a vacation package and assured her many times that the {$1800.00} purchase is fully refundable. They confirmed the refundable element at least 10 times to reassure my wife that if she changes her mind anytime within a year that we would get the full amount refunded. 

She reluctantly gave our Chase credit card information over the phone, then started feeling uneasy about the purchase, so she requested the refund on the call. On that same call, the XXXX XXXX representative assured her that they processed the refund. We assumed that the issue was resolved and that we would not be charged. 

A few weeks later we saw the charge on our Chase credit card so we started the dispute process. Chase reached out to the merchant ( XXXX XXXX XXXX ), who then said the purchase is non-refundable. XXXX XXXX XXXX also provided a policy document that explains the non-refundable detail. We discovered that XXXX XXXX XXXX representative fraudulently signed my wife 's signature on the policy. 

Upon Chase 's request, we provided Chase with a copy of my wife 's driver 's license which includes her signature, to show that the signed policy did not match her legal signature. 

Chase said that the non-refundable policy is in place and that they can not protect us as their customer. That our only option is to hire an attorney to go after XXXX XXXX XXXX. 

Chase knows that it was a fraudulent signature, but says that their own policy doesn't allow them to write off the charge, or protect us as their customer, or pursue any further action with the merchant. 

We have been going through the Chase dispute process for nearly 4 months at this point and they're telling us that we are responsible for the charge and that they will do nothing else to help us. 

The merchant lied to us on the phone saying the charge is refundable, then promised they refunded it which they did not. 

Chase had us go through the dispute process for months, and provide evidence. Then Chase refused to remove the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Thomas Agency, Inc.
State: ME

Complaint narrative:
I rented my first apartment at XXXX in XXXX from XXXX XXXX XXXX XXXXXXXX XXXX XXXX. The place wasnt even fixed and done when they showed it to me, but I needed a place so I took it. In the two years I lived there, I suffered with cockroach and bedbug infestations. Spending thousands of my own money to replace things over and over. I got harassed by other tenants and the landlord did nothing about it. I got a new place and moved out in XXXX of XXXX. After I moved out, they renovated the entire apartment and charged it on my credit for damages for a total of over {$3000.00}. There is absolutely no way there was that amount in damages, they are just trying to make me pay the cost of their renovations. I seen the paperwork and their amounts and labor hours didnt even match up. I was a teen at the time so of course I didnt understand the importance of fighting it. Years later, Im trying to pay it so I can fix my credit and they wont negotiate with me at all and instead are trying to force me to pay the full amount. The company is the Thomas Agency in XXXX, Maine. Phone number is XXXX

Company response to consumer: Untimely response
Consumer complaint received 2023-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
My credit score is incorrectly shown. 
My social security number and other information was found on the dark.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
My credit score is incorrectly shown.

My social security number and other information was found on the dark.

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