vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-02 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: TN

Complaint narrative:
Received copy of credit report due to COVID-19. Account with XXXX credit limit {$1500.00} is an open account that I did not authorize. I am a victim of identity theft this account by XXXX Bank, Account # XXXX is a result of fraud. I have notified XXXX Bank and they have failed to properly investigate and resolve the issue. I believe XXXX is opening accounts in people 's names illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
Credit Acceptance Corporation is a Predatory Car lender that gave me high-interest subprime auto loan. The lender harassed me with phone calls. They called me from unknown number asking for payments. They also placed this on my credit report causing without my permission. The company has profited from this loans, and I have experienced credit harm, and lost my vehicle through repossession ( Still a harasser after repossession ), and down payments. I was also a subject to hidden finance charges, which I believe is in violations of the states usury cap. I was also unaware of this higher-risk loan. 

In accordance with the Fair Credit Reporting Act, Credit Acceptance Account XXXX XXXX has violated my right. 

Highest Balance XXXX Opened XX/XX/XXXX Term 66 months ( 5 years ) Last Payment XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 604 A Section 2. It also states a consumer reporting agency can not furnish an account without written instructions.

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 2022-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: HI

Complaint narrative:
I do not owe this company any money, Nationwide Credit Inc. 
they are harassing me, calling me, being threatening to me if I don't pay them, I want this company to stop all communication with me and stop harassing me for money I don't owe them, I have no contract with this company, and had no services or bought any products from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IA

Complaint narrative:
Theres a person i met online through a fighting game and we play often. I know him now for at least two years. So recently he made a post about giving away a game system since he had gotten another one. Now i know him never to be a shady person nor steal from anyone so i asked him and he said he would give it to me. By this time i was unaware his account had been hacked and i didnt know because i dont get on social media that often. He said send XXXX then after said another because of the weight of everything which was still believable. I didnt put two and two together until they slipped up and said something he would never say and i asked him something he and me knows about and at that point i asked fir my refund. They said they would give it back later in the evening in which that point he blocked my account. I went on my other account and acted as if i wanted to get it as a different person but i instead was able to get the cashapp names they gave me and reported them all. After all said and done i filed a claim with cash and and my bank and cashapp wont refund the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 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: TX

Complaint narrative:
I have new and updated information from dispute submitted through complaint for fraudulent accounts being reported. I was notified of accounts that I disputed due to fraud that EXPERIAN is just ignoring. I have proof from the complaint from company that such accounts were requested to be deleted but some how EXPERIAN said that they will remain on my account. 
Due to such results remaining and not being deleted it has come to my conclusion that EXPERIAN is not doing and taking such process serious. 
Other than me ( " the consumer '' ) not wanting such information furnished on my consumer report ; I have verification that such account is not accurate. 
So I'm requested you present me with description of the procedure used to determine the accuracy and completeness of the 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 2022-07-02 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: TN

Complaint narrative:
Received copy of credit report due to COVID-19. Account with XXXX credit limit {$1500.00} is an open account that I did not authorize. I am a victim of identity theft this account by XXXX Bank, Account # XXXX is a result of fraud. I have notified XXXX Bank and they have failed to properly investigate and resolve the issue. I believe XXXX is opening accounts in people 's names illegally.

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 2022-07-02 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:
Received copy of credit report due to XXXX. Account with XXXX credit limit {$1500.00} is an open account that I did not authorize. I am a victim of identity theft this account by XXXX XXXX, Account # XXXX is a result of fraud. I have notified XXXX XXXX  and they have failed to properly investigate and resolve the issue. I believe XXXX is opening accounts in people 's names illegally.

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 2022-07-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Regional Management Corporation
State: GA

Complaint narrative:
Regional Finance contacted an unknown law firm / person on XX/XX/2022 which contacted me asking me to have Regional Finance stop calling them attempting to collect my debt. They contacted this person and then gave them my contact details in order for them to stop calling not only this person but for me to get in touch with them as well. 

They effectively were using strangers to collect on this unknown debt. 

I found out that this is some kind of mailed check. They forced me to make a payment or they were going to report me 30 days late. They also had the unknown third party " law firm '' contact XXXX XXXX who alleges I owe them money and have been working with this person as well, we share similar first names apparently? 

I'm very upset that they gave my phone number to random people they were calling and I received phone calls about some debt that I don't even really know about and they won't accept any dispute without a police report which is nonsense.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I have two credit cards through come out. Victorias Secret and XXXX. Im unable to make any payments and it has been for well over a week now and you can not get in touch with Comenity. I dont want this affecting my credit score or to be charged late fees due to their system problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX, I disputed this account with Experian for a charged off account showing activity after the closed date in payment history. they came back verified but did not enter the required comments Disputed by Consumer now they need to remove this account for violations attached a screenshot of report to show the missing required disputed by consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 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: Affirm Holdings, Inc
State: IN

Complaint narrative:
I noticed an account with Affirm on my credit report in XX/XX/XXXX. I disputed it with the credit agencies because I did not open it. They came back saying Affirm said it was accurate. I then went to affirm and disputed it three different times in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They also said it was accurate and I was responsible for the loan. After some digging, I found evidence that my husband who I am separated from, took out the loan in my name, without my permission. I mailed a letter to them in XXXX of XXXX showing this evidence and also submitted a complaint to the XXXX XXXX XXXX Affirm responded to the XXXX  saying it was correct but referred to me several times as XXXX XXXX. My maiden name is XXXX and I am guessing that it was they meant but this is just further proof I did not open the account as that is not my legal name. The original order ( truck parts from a company called XXXX XXXX XXXX  ) paid for with this Affirm loan was not addressed to me or mailed to my address either. I can't even access any information on Affirm 's website because I didnt create the account. They have since marked it as 120 days late and sent it to a collection agency. It has destroyed my credit and I don't know what to do to prove I didn't do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Bought my Home for {$410000.00} and put 5 % down at closing. Appraisal came in at XXXX. With remaining balance and the appraisal that came in I have over 20 % equity for my home but since my original loan was sold Chase mortgage can figure out how to drop PMI now as the system says I can't drop it until I reach remaining balance of {$310000.00}. I would have over {$100000.00} in equity and a loan to value ratio of 75 %. I am already below there ltv of 80 % needed to drop PMI but they refuse as this what the system generated when they purchased my mortgage from original lender and refuse to make it right without me paying additional costs that are not needed to drop PMI.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I disputed hard inquiries on my report that were made fraudulently without my knowledge with the Credit Bureaus by phone and mail. I filed a fraud report with the FTC about the situation before calling and disputing these inquiries. I called and was assured that the inquiries will be removed and some were, however somehow one of the inquiries deleted manage to reappear out of thin air. 

I am displeased and frustrated with this matter because I followed the steps of disputing with these bureaus with proof and facts but to no avail. Not to mention that I am a victim of fraud. 

According to the FCRA, the reporting agencies have violated my rights after dispute under section : 15 U.S.C 1681 s-2 ( b ) ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information. 

I have attached documentation of my FTC report and dispute letter. 

I feel that my rights under the congress act have been violated and I ask that this matter be looked into respectfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 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: SC

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX  account number XXXX has 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

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 2022-07-02 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: AL

Complaint narrative:
i sent dispute on XXXX XXXXi have not got the results. my report have a lot of inaccurate. can someone please look at it

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 2022-07-02 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: AZ

Complaint narrative:
I am reaching out to the CFPB to complain about Experian who is in violation of the Fair and Accurate Credit Transactions Act ( FACTA ). I have contacted them many times in regards to my identity being stolen. Even though I have provided them with an identity theft police report and supporting documents. They keep saying that relevant information was illegible and blocked out. This is a complete lie. I will attach my identity theft police report, so the CFPB can see that my identity theft police report is legible and clear to see. If they need more information then they can reach out to the detective who is investigating my case. I can only provide to Experian what has been provided to me. Different law enforcement agencies have different police report. This is out of my control. They are suppose to remove fraudulent information with a police report. Again, they continue to be in violation of the Fair and Accurate Credit Transactions Act. If they need any further information they can contact Detective XXXX # XXXX Incident report XXXX Phone # XXXX Email : 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 2022-07-02 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: FL

Complaint narrative:
I disputed this it came back verified, even with the payment history being wrong on all three Bureaus this is a charged off account and payment is history is incorrect, and none of them has entered consumer disputes this account this is a violation and MUST be entered when the account has been disputed attached report to prove history is wrong and no dispute comment was entered at all, remove account immediately you can not make any changes on a charged off account it is closed this can not be updated, re-opened or show any activity. 

XXXX shows 60 days late no 30 day late, also shows co, co, co, OK. XXXX also failed to enter comment disputed by consumer remove for violations this is required to be entered after a dispute was made Experian shows 30 days, 60 then co XXXX co XXXX co XXXX co XXXX co Experian also failed to enter comments disputed by consumer remove for violations this must be entered at the time of dispute XXXX has never reported any payment history on this account and also failed to enter comments Disputed by consumer Remove for violation this must be entered at the time of dispute

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 2022-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I am currently being sued by this junk debt buyer for an account I defaulted in 2015 due to being separated from my spouse and loss of income. I requested to be sent proof that this debt collector owns the debt, and proof of the date they acquired the account as well as proof of the balance that is due. Since I am currently in divorce court my attorney suggested I offer them to settle for half which I did, and they did not accept it even though they are profiting still being they didn't pay that much for the debt in the first place. I can't afford half but I am overwhelmed with trying to pay my current bills as well as being in court for divorce I need this issue to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 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: AL

Complaint narrative:
i sent dispute on XXXX XXXX.i have not got the results. my report have a lot of inaccurate. can someone please look at it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
i sent dispute on XXXX XXXX have not got the results. my report have a lot of inaccurate. can someone please look at it

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 2022-07-02 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX  XX/XX/2012, Account # XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights, 15 USC 1681 section 602 A states I have the right to privacy and it also states a Consumer reporting agency can not furnish an account without my written instructions

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 2022-07-02 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 XXXX Texas Office of Attorney General Account # XXXX, has 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

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 2022-07-02 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX Account # XXXX, has 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

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