vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Exeter Finance, LLC.
State: DC

Complaint narrative:
On XX/XX/2023 The CFO of Exter Finance received a letter of intent to sue with Affidavit of truth with other items enclosed as proof of my claim of fraud and forgery on the companies behalf. The letter/affidavit entails that the contract with Exeter Finance LLC was never actually assigned by the dealership, and that Exeter Finance LLC sent me a " copy '' ( forged ) contract that had been assigned by the dealership but the original contract that I had was never assigned. I offered them a settlement to change the status of the reporting on my credit to the 3 credit reporting agencies, and a monetary settlement of {$63000.00}. The amount owed from original finance amount, payments made before I made the discovery, and compensation for damages endured during the repossession process. On XXXX XXXX, XXXX there was a positive change to my credit reporting. I have attached the picture of this reporting. There has not been a monetary compensation to go along with the changes to my credit reporting. I then sent a handwritten letter as a courtesy along with several screenshots, and a copy of my photo ID to the company 's legal department explaining that the piece of mail was not received by me and I was unaware if it was from them. It was received on XX/XX/2023 the lost/stolen mail was along the time line of the changes to my credit reporting. I am still unsure if it was a compensation package or not, but I did not want to falsely accuse them of not compensating me when they had made an attempt to do so. I have yet to receive any response to that letter. 

I asked in the letter of intent that if there was to be any mailings or agreements before I moved forward with a lawsuit against them that it be sent via registered mail with a signature to prevent mail theft/fraud. 

I have not heard anything back from the company. I wanted to submit a complaint to verify that they have not agreed to the monetary compensation portion of my intent to sue letter, and only the credit reporting changes although I have clear evidence of fraud and forgery on the companies behalf. 

I have all records of mail items received by the company so there is no excuse on why I have not been compensated properly in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Grant Mercantile Agency
State: AZ

Complaint narrative:
Sometime in XX/XX/2023, I realized a unknown collection account added to my credit report. Grant Mercantile Agency is a collection agency I am unfamiliar with. XXXX XXXX is the original creditor and I have never received a medical bill in my life yet alone been to the hospital. Someone has stolen my identity as well as put numerous unauthorized credit inquiries on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
? this incident was recently appointed to me 2 days ago .... i created a paypal account .... it automatically stated a rare activity that was recent from my other account i didnt know i had! you see transactions have been made and performed this month and last month with my name on a credit card or debit card im not to sure whats going on but i do know theres another account associated with my name my birthdate my social security number and there are doing unathorized transactions underneath my identity! i had told paypal to delete my current account and they supposed did but i had said why dont you delete every account with my social security and what not but since they cant spot out the true identifier of the account .. so idk any comments?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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: LA

Complaint narrative:
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my 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 non-monetary relief
Consumer complaint received 2023-06-22 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: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2023-06-22 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: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2023-06-22 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: Cascade CISS Holdings, LLC
State: LA

Complaint narrative:
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-06-22 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have sent multiple letters regarding this account status reports {$500.00} past due but the account is a collection account. also states status updated XX/XX/2022 but balance updated XXXX XXXX this account is reporting inaccurate information and should be removed. 

Acount # XXXX XXXX XXXX original creditor : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2023-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I hope that you are able to receive what I had initially describe hope. It was not in vain? It was whole lots I'm hoping that it was forwarded to you. Please let me know thank you chases the main account XXXX. What's needed there and I as the copy of the only thing that I have left? Hope Chase because I lost a lot of stuff in a home fire so I'm really. Working with very little documents thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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: U.S. BANCORP
State: LA

Complaint narrative:
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my 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 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
On XX/XX/2023 I logged into Experian to check my credit score like I always do and as they always do they suggest a free 10 day trial for a paid membership to see all my credit scores. I selected the free trial and looked at my scores. On the same night I canceled the membership but I was still able to see the upgraded features until the trial ends. I received a cancellation email and I thought I was all set. 

On XXXX when my free trial membership was set to end I received yet another email from Experian confirming that I had cancelled and that my membership was downgraded to FREE. That same day I received a charge on my credit card from Experian. Concerned I wrote to them online asking that they remove my credit card from file. I also let them know that I had cancelled. Their response basically blamed me for not cancelling my membership on time and gave me a " one time, courtesy refund ''. I wrote back to them with screenshots that I had cancelled my membership and asked a second time for my credit card be removed from file. 

They completely ignored the cancellation proof by me, didn't acknowledge it and is refusing to remove my credit card from file citing internal policies and reassuring me that my card is protected from unauthorized use. I emailed them another time again, this time directly accusing them as the one with the unauthorized use and they have continued to refuse to remove my credit card from file. The only recourse I appear to have is to cancel my credit card which will cause me other inconveniences that I shouldn't have to endure.

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 2023-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Sunbit, Inc.
State: NJ

Complaint narrative:
Submit Credit Card # XXXX XXXX XXXX XXXX Due to th several Federal Govt interest % point hikes in the last several XXXX or so months..it has become increasingly difficult to pay I am.REQUESTING some relief on the interest being charged on my account thru a company XXXX XXXX XXXX XXXX '' I am being charged several XXXX dollars in the last XXXX XXXX  days alone on this account and the account was placed in " forbearance '' which ended today XX/XX/2023 I would like to be CREDITED as a XXXX time courtesy of all interest and fees applied to this account while the account was in FORBEARENCE status Thx u

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2023-06-22 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: LA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: W&A Intermediate Co., LLC
State: MS

Complaint narrative:
My report have my social number incorrect and my name, address is incorrect as well. And it constantly putting my credit in a bad position when the information isnt correct. 

Trying to get money out of me when the account of been sold thru a 3rd party and they constantly hitting my credit report when they dont suppose to.They cant identify my original account etc

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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: LA

Complaint narrative:
This is my second time writing you to update my personal information.

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 2023-06-22 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:
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
My direct deposit has arrived on time every other Thursday in my Chase account for about XXXX years now. Today, it was never received AND my account is in the negative. I was expecting my paycheck to cover the negative fee before any other fees were added, but since Chase is not loading my paycheck, my account now is an extra {$50.00} overdrawn because of CHASE. I am extremely frustrated because customer service is not answering!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
This is my second time writing you to update my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc.
State: AZ

Complaint narrative:
Sometime in XX/XX/2023, I realized a unknown collection account added to my credit report. XXXX XXXX XXXX is a collection agency I am unfamiliar with. Medical Data is the original creditor and I have never received a medical bill in my life yet alone been to the hospital. Someone has stolen my identity as well as put numerous unauthorized credit inquiries on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Gurstel Law Firm, P.C.
State: CA

Complaint narrative:
This is my DEMAND LETTER to Gurstel Law Firm P.C. and the attorneys at the Law Firm who have violated Fair Debt Collection Practices Act. Please see attachment for detail of list of attorneys and proof showing which federal violations they committed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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:
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Company response to consumer: Closed with non-monetary relief