vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SET Financial Corporation
State: TN

Complaint narrative:
Received a loan in the mail from SET FINANCIAL. The loan was for {$750.00} and was to be paid back in XXXX installment payments at {$160.00}. Deposited the check on XX/XX/XXXX. On XX/XX/XXXX I sent money order in the amount ( # XXXX ) {$160.00}. I DID NOT FEEL COMFORTABLE WITH THIS COMPANY. So, I then on XX/XX/XXXX I sent XXXX more money orders ( # XXXX ) {$300.00} and ( # XXXX ) {$280.00} which equal the total amount of the loan. I repaid the in full within XXXX days of receiving it. Because I never delt with this company and did not feel comfortable with them. In XX/XX/XXXX I received a call from SET FINANCIAL asking when I was going to make a payment. I told them that I had repaid them there money. They told me that they charged me late fees and if didn't pay they would put it on my credit report as bad credit. The amount of the fees have been changing from {$220.00} to {$160.00} now on my credit report. THAT'S WHAT THEY DID EVEN THOUGH THEY GOT ALL THEIR MONEY BACK! SET FINANCIAL sent it to a collection agency XXXX XXXX XXXX. XXXX XXXX XXXX collection agency told me they waiting to hear from their client. SET FINANCIAL WAS OUT TO RUIN MY CREDIT! It has HURT my credit!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian will only give accurate updated info if you pay a membership fee! 
Experian report shows completely inaccurate info despite burying the correct info in the credit card balances Example today I recieved an email that there was a decrease in my score. Suprised I looked at the Experian app The over view showed a score that was XXXX points less than XXXX and XXXX It showed a debt 4x more than I owed so I looked on their app at my individual credit card debt. On their own site it states the info is correct as of today but their over view showed 4 % credit usage when the actual credit cards were less than 1 %. They dropped my score when it should have increased. Called Experian and explained they saw the same numbers and said. I COULD GET ACCURATE UPDATED INFORMATION IF I PAID THEIR MEMBERSHIP FEE. XXXX and XXXX are providing updated accurate info without a membership fee. Im my opinion. Experian is extorting money from consumers by having a membership program and they are deliberately posting inaccurate information when claiming to be giving as of today info

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 2023-06-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I recently reviewed my credit report and found multiple fraudulent accounts on my credit report preventing me from attaining credit. I submitted a FTC Identity Theft affidavit that declares the accounts as such. The accounts that are in questions are as follows : XXXX XXXXXXXX XXXX  in the amount of {$2100.00} XXXX XXXX XXXX opened XX/XX/XXXX in the amount of {$1900.00} XXXXXXXX XXXX opened XX/XX/XXXX in the amount of {$13000.00} XXXX XXXX opened XX/XX/XXXX in the amount of {$4100.00} XXXX XXXX XXXX opened XX/XX/XXXX in the amount of {$720.00} XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX opened XX/XX/XXXX in the amount of {$1600.00}

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 2023-06-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

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 2023-06-26 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: FL

Complaint narrative:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I always paid on time, and this giving me XXXX I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2023-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
No help whatsoever from WELLS FARGO. XX/XX/23 to today XX/XX/23, still waiting for an authoritative individual to call me. Since a XXXX clerk tampered with my account without my authorization, heres the repercussions I am suffering : Cell phone disconnecting. 
{$400.00} fee for XXXX cancellation due to non payment. ( And not being able to have XXXX ) Not being able to purchase gasoline or food. 
This is all due to this clerk filing a claim and canceling my card 2 hours after I hung up with him. And told him very very clearly to NOT to touch my account and leave my card alone. He insisted that I purchased a golf membership on MN, and he even repeated himself after I told him I HATE GOLF AND I LIVE IN AZ. 
I have had trouble with my digital wallet in which an employee couldnt even get it to work. I was told a debit card was being rushed to me, really? When? Why cant someone call me and resolve any of the issues and new ones? Also, transactions coming through the account will encounter late fees, and cant even make any payments, but the problem exists. How do I pay for late fees for multiple transactions, all because of the control your clerk took while collecting a paycheck?!

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 2023-06-26 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: NJ

Complaint narrative:
Below are fraudulent accounts and inquiries reported to my Transunion credit report. Accounts : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX  balance {$5000.00}. Inquiries XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26 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: Shellpoint Partners, LLC
State: PA

Complaint narrative:
In accordance with the fair credit reporting act, Shellpoint Mortgages Servicing, 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 an account without my written instructions. 

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: USCB, Inc.
State: CA

Complaint narrative:
I have been repeatedly contacted by USCB America for medical debt. In 2021, I suffered from a XXXX XXXX XXXX and was misinformed about my insurance coverage as it was an emergency situation. Eventually USBC America kept calling me repeatedly since 2021 and onward. I am trying my best but I am a college student with little income

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
n 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. Account name : XXXX XXXX XXXX # XXXX {$1100.00}, Account name : XXXX XXXX # XXXX, 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 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 years. 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 is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: OH

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. 

Account name : XXXX  Account XXXX Account name : XXXX XXXX  Account XXXX Account name : XXXX XXXX  XXXX Account XXXX Account name : XXXX Account XXXX Account name : XXXX Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX XXXX  Account XXXX Account name : XXXX  XXXX Account XXXX Account name : XXXX  Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX  Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX  Account XXXX Account name : XXXX  Account XXXX Account name : XXXX XXXX  Account XXXX Account name : Account number : has violated my rights. Or list of inquiries 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 information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26 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: IL

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of XXXX and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: MA

Complaint narrative:
On Friday XX/XX/XXXX I sent bitcoin as a payment through cash app. I paid extra for rush services. This is usually received within XXXX mins. A few hours later it was still not received I follow the link to the block chain and it stated Transaction not found I tried reaching out through their chat system only to go in circles after typing agent they said one would be in touch with me. I happen to see the messag pop up a few hours later and immediately responded and was told shed have a specialist get back to me. I reached about XXXX more time through the chat Over the next 3 days and havent received a response since the would told me shed have a specialist get in touch with me. I have also been calling I made XXXX calls each time it told me to use the chat for immediate assistance or press 1 for a call back. After hitting 1 and waiting a few more hours my phone would ring with a California number and each time it would say we are sorry you missed our call please call back and an agent will return your call then disconnect the call. I would just like my money back if the cant proceed with my transaction nbut there is no way to speak or chat with anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am deeply concerned about the derogatory rating associated with the account being reported. It has had a significant impact on my credit standing, leading to the denial of a recent loan application and increased interest rates on my existing credit accounts. I want to emphasize the severe financial distress this negative rating has caused me, and it will continue to affect me both financially and emotionally until it is resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: ALLIANT CREDIT UNION
State: MI

Complaint narrative:
At closing on XX/XX/XXXX during my review of the loan documents I discovered that the loan amount had been changed to a lower amount then I applied for, and had been discussed with the loan broker. The loan amount change had not been disclosed to me prior to closing. I reached out to the loan officer to see if a mistake had been made on the documents and I was informed that the lender changed the loan amount. I informed the closing document signing agent that I would not sign the documents. I emailed the loan brokers requesting a loan amount increase. On XX/XX/XXXX I was informed by the loan broker that the lender would not increase the loan amount, I replied at this time that I would not go forward with the loan and I wanted a refund of the {$750.00} I paid for the house appraisal that the lender required prior to closing. The broker informed me at this time that there would be no refund, and I never received an explanation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-06-26 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: FL

Complaint narrative:
EQUIFAX, as well as other credit reporting agencies, is obligated by the FCRA to report accurate accounting. As the consumer, Ive stated this account has been reporting inaccurately and fraudulently. XXXX labels this alleged debt as a Charge-off, which is income according to the IRS. Its specifically against the law for any credit reporting agency to report income on a consumer file/report. 
Also, the Equifax company is liable under the SEC to follow certain rules. EQUIFAX XXXX file number XXXX .P. XXXXXXXX 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. Since this is an alleged charge-off, I will be filing form XXXX treasury forms to audit this account, as the consumers account. 
EQIFAX, as well as XXXX and XXXX are securitizing consumers data yet refuse to provide me, the consumer a copy of the CONSUMER FILE and NOT CONSUMER REPORT. 

Check the photos as well as letter attatched

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: FL

Complaint narrative:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

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