vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
I XXXX XXXX have disputed this debt on my credit report with the company enhanced recovery company. The company went through the investigation and promised to remove debt from credit report & did remove the debt from my report however the debt has returned and this is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: American Credit Acceptance, LLC
State: GA

Complaint narrative:
On XXXX XXXX, I called into Credit Acceptance. After speaking with a rep I was that they would accept my payment in the amount of XXXX on XXXX XXXX After accepting the payment in the amount of XXXX payment, American Credit Acceptance stated that this payment would satisfy the amount needed to be removed from the repossession list. 

When I called American Credit on XXXX XXXX, I spoke with the Reinstatement Department Manager. The manager stated that when I made the required payment, that the Repossesion Company was closed for the day and that they couldnt update the company about my repossession status being removed from list. 

My property was illegally seized and my non public information was provided to a third party outside of my contract. 

According to Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq American Credit Acceptance used False or Misleading Representation and Unfair Practices in which American Credit Acceptance took property ( vehicle ) when the creditor had no enforceable right to the property, I made payments sufficient to stop the repossession. 
American Credit Acceptance engaged in unfair acts and practices by repossessing my vehicle, even after I took intentional actions to prevent repossession. 
I requested a full investigation of the matter from the reinstatement department and they have yet to provide me those details. I have suffered damages as a result of these violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Hi, this is a continuance of XXXX complaint date XXXX OPEN with BOA ( Bank of America ) . Not only I did not receive a letter as promised to with reference number this fraudulent account is closed. On XX/XX/XXXX, I have another solicitation to open an XXXX XXXX Banking account with you! Please do not sent me any solicitation. I thought when you opt out this mean, credit cards and all banking products. I do not know what trigger this! But it ODD this letter is different ( exhibit # 1 ) it has my complete name I use, and the other letter has an old name I used on complaint XXXX. I said it before, I had a loan using this old information. Now I'm believing BOA open this fraudulent account on me. 

On XX/XX/XXXX, I put a credit freeze and all fraud alerts on all credit reports. Years ago, opted out indefinity on solicitations. I do not want any of BOA products or service. I can do my own the solicitation. 

see confirmation : Dear XXXX, We received your Credit Freeze request and a freeze is now in place on your XXXX credit report. It will stay in place until you request its removal. 

Freeze Explanation : A credit freeze prevents lenders from checking your credit report in order to open a new account. A freeze may also prevent your information from being released for other inquiries, such as an employment or a rental application. Federal law allows certain transactions such as those for insurance purposes to continue even while a credit freeze is in place, and you should continue to monitor your credit. If you have a freeze on your credit report, you will need to remove it before you apply for credit. 

fraud confirmation : Dear XXXX, We've added an initial fraud alert to your XXXX credit report. 

Your fraud alert will stay on your credit report for one year and expires on XX/XX/2023. If you want to extend it or update your phone number log in to edit your fraud alert at any time. 

We'll let XXXX and XXXX know that you've placed this alert so they can also place fraud alerts on the credit reports you have with them. 

For more information about fraud alerts see our FAQ. 

Under the Fair Credit Reporting Ace ( FCRA ) you have specific rights when you are, or believe you are, the victim of identity theft. For more information, please view the Fraud Victims ' Bill of Rights. 

Under federal law, you are entitled to request one free copy of your credit report within the next 12 months. Please log in at XXXX and from the Fraud Alert status page, select the option to request your credit report. 

Sincerely, Your XXXX Support Team

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 2022-10-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Despite Regulation D being lifted, XXXX XXXX through Webster Bank has charged me two savings excess withdrawal fees ( {$40.00} on XX/XX/XXXX and {$60.00} on XX/XX/XXXX ). The first one I tried removing after talking to them, where they claimed Regulation D was not in effect. As I did exceed 6 transactions, I did not push further. However, I was charged {$60.00} a second time for this past cycle. This time I did NOT exceed 6 withdrawals. While there were more than 6 transactions, these were microdeposits and withdrawals for external account verification which resulted in {$0.00} being taken out. Even if Regulation D was not in effect, these should not be counted ( and indeed I have never been charged such fees for microdeposits with other banks when Regulation D was in effect ). I believe I made only 4 real withdrawals which resulted in money being taken out and not being immediately returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-10-17 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: FL

Complaint narrative:
Id theft victim. Another account popped up on my report XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: TX

Complaint narrative:
On XX/XX/XXXX, I spoke with Experian, XXXX, and XXXX representatives concerning the potential of bogus accounts being made using my customer data. I implored everyone to delete these accounts since I had no idea how they got there. All three companies advised me on how to keep track of things and fill out an FTC form. On XX/XX/XXXX, I sent my information by ordinary mail. Even though I had filed my letters more than 30 days before since they had been " verified, '' the accounts that were not mine were still shown in my paperwork. This situation bothers and irritates me since it inhibits my family and me from purchasing a property. On XX/XX/XXXX, I contacted the three firms again to see how they could prove that these accounts belonged to me. They suggested me to speak with the debt collectors directly since they indicated there wasn't much else they could do to help me. Every bank that the client called at the same time and referred to me had been phoned incorrectly ; they had no idea who I was or what the accounts were about. An online check was conducted to ensure that I was not mistaken. My buddies advised me to visit the CFPB website. I'm hoping this works since my family and I need need the house we're attempting to buy.

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 2022-10-17 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: TX

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 : XXXX XXXX XXXX XXXXXXXX Account : XXXX XXXX XXXX  XXXX Account : XXXX XXXX # XXXX Account : XXXX XXXX # XXXX Account : XXXX XXXX XXXXRegions # XXXX 15 USC 1681 section 602 A 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 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 USC 1681s 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-17 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:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-10-17 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: PA

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my Law enforcement report from the Federal Trade Commission. Documents have been submitted to all credit bureaus.

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 2022-10-17 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: PA

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my Law enforcement report from the Federal Trade Commission. Documents have been submitted to all credit bureaus.

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 2022-10-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
Fraud Alert - Misuse/theft of California Mortgage Relief Program {$22000.00} plus which was a monetary award to CATCH UP ON MY MORTGAGE PAYMENTS. 

all the attachments are self explanatory monies went all over the place and funds were clearly not used for back mortgage payments payments went up XX/XX/2022 for no reason, no notice, from {$2200.00} to {$2700.00} XXXX per month then latest statement had fees and charges that should not have been charged throughout waiting for approval award {$3200.00} ( 6 months ) defrauded from California Mortgage Relief Program my monthly payments should have went down as a property tax exemption was approved Please note this about the 5th complaint against this lender and results only come with CFPB involvement and in this case I have also advised California Mortgage Relief Program that their funds/award to help me was miss-managed by the lender ( LoanCare LLC ) My property tax and homeowners insurance is included in my monthly mortgage payments to include any shortages also come out of the monthly mortgage payments as there is money left over, after principal, interest, insurances ( 2 ) not to ding me like this, I truly hate this lender they have also blocked me out for when I send them emails, they no longer send me a receipt as received what happened to the unapplied balance???? 

Thank you. 

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 explanation
Consumer complaint received 2022-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My personal identity information was stolen in several breaches from companies I had business with, my employer, as well as from the XXXX credit agency and its affiliates. These breaches occurred from XXXX through XX/XX/XXXX. I also learned that my identity information had been shared on the Black Web Market as a result of these breaches. These breaches have resulted in persons unknown to me and without my consent attempting to obtain credit cards, car loans and in some instances personal loans in my name, damaging my credit profile with unauthorized Hard Inquiries.

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 2022-10-17 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I had XXXX so I wasnt able to work so I was late on my payments I reported it to td Bank, XXXX they still reported it to the credit Bureaus as late I disputed it with the credit bureaus. But they refuse to remove it Under the XXXX act

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: FL

Complaint narrative:
Id theft victim. Another account popped up on my report 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 2022-10-17 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: GA

Complaint narrative:
I've attempted to remedy this issue with Equifax Credit Information Services , Inc. but they are willingly non-compliant I notified them on XX/XX/2022 of the inaccurate information that they are unlawfully reporting on my credit report but they did not correct any of the violations nor have they provided me with no means of verification or proof that the inaccurate items that I'm disputing on my credit report are accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: American Credit Acceptance, LLC
State: OH

Complaint narrative:
Slow at reporting payments, They dont make changes to credit unless ive made a dispute through transition or XXXX XXXX Reported 90 days late to bureau on payments But wont Report when payments are made or caught up henceforth dinging my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I was a beneficiary for an account which was wells Fargo bank I've removed my direct deposit information that was from my social security XXXX and XXXX I've filed and personally addressed the fact that I was unable the accept the money that wells Fargo thoroughly investaged and granted me the beneficiary my claims but since I wasn't the primary on the 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 explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation