vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: FC HoldCo LLC
State: LA

Complaint narrative:
Flagship Cre did not have my express verbal or written permission to access my credit profile

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Cottonwood Financial Ltd.
State: WA

Complaint narrative:
Sometime between XXXX the cash store processed a payment for a payday loan that my bank paid. This payment made our account overdraft. The bank than closed the account. I have been contacted several times about this and have told them the same thing every time. My bank confirmed it was paid and the cash store location has no record. Now I am being told by letter that I am being taken to court for NSF Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
inaccurate information is being reported on my credit report. The following names and addresses on my file are incorrect Ive never gone by this name and I have never lived at these addresses. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH 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 2023-05-28 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: IL

Complaint narrative:
I received a Notice of Delinquency dated XX/XX/XXXX, addressed to myself and the account holder. Re : Retail Installment Sale or Credit Sale Contract Dated XX/XX/XXXX vehicle ( N/A )... This letter will be included if I can upload it. The notice informs me the contract stated above is delinquent & is my obligation. {$750.00} is due the date of the notice. If I don't pay or make arrangements to pay within 15 days from the date of the notice- ( XX/XX/XXXX ), we may report adverse information about you to a consumer reporting agency and exercise our legal rights against you... 
The account holder did make arrangements and has paid XX/XX/XXXX : {$2900.00} XX/XX/XXXX : {$1800.00} XX/XX/XXXX : {$500.00}. A total of {$5300.00} in an attempt to clear the amount owed as requested in the Notice of XXXX. 
XXXX XXXX XXXX reported negatively on my credit before the 15 day period expired on-XXXX, they stated in their Notice of Delinquency. The account holder spoke with XXXX and made arrangements for payment, explaining having every intention of fulfilling that responsibility. Asking why did they report on my credit when arrangements were made. They were asked to remove the report off my credit as I was in the process of moving and could possible be left homeless due to this knocking my score from XXXX to XXXX to XXXX. All in one week. The landlords thought it had to be an error. Unfortunately for me, there was not time to stop the damage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have accounts that are posting inaccurate Information.

Inquires i did not authorize

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27 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: TX

Complaint narrative:
I have accounts that are posting inaccurate Information.

Inquires i did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 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: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
COAF did not have my express verbal or written permission to access my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: VW Credit
State: TX

Complaint narrative:
In 2020, I consciously purchased an Audi XXXX and added an Audi Care plan to my contract. The salesperson clearly explained that Audi Care would prepay for my vehicle 's services, including oil changes and tune-ups. However, when I went to the Audi dealership for service, I was denied free service because the dealership had no record of me being charged for the Audi Care plan. Despite trying to use my Audi Care plan again, I faced the same issue and ended up paying for my services out of my own pocket. I then contacted Audi Customer Service for a refund but was told that my plan had expired. This is unacceptable, and I demand a full refund for the amount I was charged for Audi Care. I believe I was misled and taken advantage of, and I expect Audi to rectify this situation immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BID SOLUTIONS LLC
State: GA

Complaint narrative:
We started a loan modification with XXXXXXXX XXXX XXXX  We will post to make three payments for XXXX, XXXX, and XXXX of {$1500.00} and send it to them and they will send it to the mortgage company. I looked into my mortgage company and saw that they never sent the money to them. I received a letter from HUD home, saying that we can start tenancy with them like they bought the house, so we were scammed from XXXX XXXX XXXX of {$4500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29 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: CO

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
This company called and stated that I owed {$670.00} with an insurance company I've never been insured by or even owned the vehicle that they mentioned the caller called me out of my name and stated that he will make sure that i pay this debt because that is his job and this is how he gets paid he said he will leave a note on my account stating that I will pay this debt even though i never heard of this before until they called and that he will garnish any amount of money that comes into my checking and savings account he attempted to get my checking and savings account information over the phone. I never received a letter in regard to this debt and one of the agents told me that they paid the original company ( who they never mentioned ) to get my account because they promised that they will be able to collect the amount that is needed. They harass me every other day and it's bothering me. They keep telling me its an insurance company debt but I've been insured by the same insurance company since 2015.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
My account was closed for unspecified reasons.and I never received my deposit funds from my closed account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29 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: TN

Complaint narrative:
I am submitting this CFPB complaint in response to the recent investigation. I do not agree with the findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking the Credit Bureaus for more information regarding these particular items in question : XXXX XXXX XXXX Balance Owed : {$320000.00} XXXX XXXX Balance Owed : {$9.00}. The dates of missed payments reported by these accounts are flagrantly incorrect. I have submitted concrete evidence that clearly demonstrates the inaccuracies in the reported dates. In accordance with the Fair Credit reporting Act, I demand the Credit Bureaus to fix the error on the payment history and update the account for lawful accuracy. As previously stated under provisions of the Fair Credit Reporting Act 15 U.S.C. Section 1681i, please reinvestigate and update or these disputed accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-29 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: TN

Complaint narrative:
I am submitting this CFPB complaint in response to the recent investigation. I do not agree with the findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking the Credit Bureaus for more information regarding these particular items in question : XXXX XXXX XXXX Balance Owed : {$320000.00} XXXX XXXX Balance Owed : {$9.00}. The dates of missed payments reported by these accounts are flagrantly incorrect. I have submitted concrete evidence that clearly demonstrates the inaccuracies in the reported dates. In accordance with the Fair Credit reporting Act, I demand the Credit Bureaus to fix the error on the payment history and update the account for lawful accuracy. As previously stated under provisions of the Fair Credit Reporting Act 15 U.S.C. Section 1681i, please reinvestigate and update or these disputed accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENOVA INTERNATIONAL, INC.
State: WA

Complaint narrative:
I took out this loan in around XXXX, going through a divorce. I made payments but they were charging 299 % interest, and it became difficult, I believe last payment was made in XXXX or XXXX. I moved to Washington in XXXX, and had given them my updated mailing address. Then the pandemic hit and I couldnt work, now after 6 years they sent me some paperwork from a company called XXXX XXXX XXXXXXXX and XXXX XXXX XXXX threatening to garnish my wages. I didnt think they could come after you after XXXX  years, and neither of those XXXX organizations look very legit in a XXXX search. They have given me XXXX  days to respond and its already been a week. I have a job now but I am still recovering from the pandemic, and cant afford this right now. Thank you for any assistance you can provide. ( Listing company as Cashnetusa, however XXXX XXXX XXXXXXXX and XXXX XXXX are on the court order which is also to XXXX  XXXX, no idea who that is. )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 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: OH

Complaint narrative:
These collections are on my credit report i dont recognize them XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2023-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I was offered a credit card by CapitalOne/Bjs via mail, I applied and my applications was denied because the company said " Based on your application information, income is insufficient for amount of credit request '' But I didn't apply for a specific amount of credit. Also, my household annual income is more than XXXX XXXX/year, so I'm not sure what was the real reason for denying my application since my income would be sufficient for a regular credit card with a usual credit amount for a consumer like myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 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: VA

Complaint narrative:
In accordance with The fair Credit Reporting act. The list of accounts below has violated my federally protected consummer rights to privacy and confidentiality under USC 1681. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everthing was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. ACCORDING TO 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporthing correctly.

15 U.SC. 1681 section 602 A. States i have the right privacy.

15 U.S.C. 1681 SECTION 602 A. States 2 : it alson states a consumer reporting agency can not furnish in a account without my writtten instructions 14 U.S.C. 1681C. ( A ) ( 5 ) Sections 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 anetedates the report more than seven years.15 U.S.C . 1681S-2 ( A ) ( 1 ) A persom shall not furnish any information relatimg to a consumers to any consumer reporting agency if the person knows or has reasonable cause to belive that the information is inaccurate. Also they arent even in compliance with metro 2 credit reporting. i have evidence to prove my case

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27 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: TN

Complaint narrative:
in accordance with the fair Credit Reporting act. The list of accounts below has violated me federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX : XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX has XXXX XXXX XXXX XXXX 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of imformation any other adverse item of imformation, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any imformation relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the imformation 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 2023-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
To whom it may concern : I have asked them multiple times to remove all these alerts on my credit file I am trying to buy a house This is my second attempt to get these alerts removed. I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not disputing anything on my credit report as of today. Please open my credit file if you'll have any type of block on it thank you. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have asked them multiple times to remove all these alerts on my credit file I am trying to buy a house This is my second attempt to get these alerts removed. I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not disputing anything on my credit report as of today. Please open my credit file if you'll have any type of block on it thank you. 
Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Starting XX/XX/XXXX to date I have written XXXX letters to XXXXXXXX XXXX and XXXX letters to XXXX, Trans Union and XXXX. Copy of XXXX attached. 

XXXXXXXX XXXX, XXXX, Trans Union, and XXXX are reporting XXXX items which I believe are false. 

Item XXXX is showing a XXXX  day late on my XXXXXXXX XXXX mortgage for XX/XX/XXXX. I have asked for the records or the removal XXXX  times. Each time I get the same response from the credit bureaus. They claim the past due was verified but I have receiving nothing from XXXXXXXX XXXX supporting that claim. The mortgage was in forbearance for covid and should not have been reported late. I would like this removed from all three credit reporting agencies. 

Item XXXX is the balance of my mortgage. The credit reporting companies show I owe a balance of {$630000.00}. The monthy mortage statement shows a much lower balance of {$580000.00}. I have written to XXXXXXXX XXXX XXXX times with no reponse. I have written to all credit agencies but they continue to report the incorrect amount.

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