vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Consumer Portfolio Services, Inc.
State: IL

Complaint narrative:
This loan is paid in full, I paid the last of the interest of XXXX in XXXX XXXX, which was the amount listed on their web site. I called the loan company for the title and they are giving me no answers on the why they have not released the title. They keep telling me to call back. The loan was under the chapter XXXX in XXXX with a XXXX balance, which was paid in full through the bankruptcy court. ( see attached proof ) Consumer Porfolio servicing has submitted a new claim to my refiled bankruptcy for XXXX when they were paid in full. 
I have asked for a payment ledger, and they have refused. This car is a XXXX XXXX that has been totally paid in full. 
Please have this company provide the payment and balance financial ledger, also investigate this company for fraudulent billing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I actually closed the credit card over a year ago, but the company still continues to charge me random fees and then inflated late fees on these fees. Sometimes the random " carry over charges '' are as low as {$.00} which they will charge me a {$41.00} late fee on. Every time I pay off the random carryover fees, they come up with a new one. I have now incurred hundreds of dollars in fees on a credit card that I paid off and closed well over a year ago and it never seems to end. I have called them several times, they always tell me it's a mistake and they will resolve it and it continues to not be resolved.

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 monetary relief
Consumer complaint received 2023-03-15 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting this account has violated my rights.

15 U.S.C 1681 section 602 A. States that I hae a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions 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 2023-03-15 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: GA

Complaint narrative:
I went to several dealerships to find a car to purchase. I finally found one and I couldnt get approve for the car due to misinformation on my credit reports. I have over 20 hard inquiries oh one of my credit reports in the last few months they have continuously wrecked it and I dont know why? I would like to be able to purchase a vehicle, but these hard inquiries have ruined my credit score and also it looks horrible to the finance company I need for Trans Union, XXXX and XXXX to remove these inquiry on my credit report I can list each and everyone each, and every day I have tried to dispute them online before. I have not given anyone any written consent, except for the one car dealership to run my credit report. 
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 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 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

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 2023-03-15 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting this account has violated my rights.

15 U.S.C 1681 section 602 A. States that I hae a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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:
In accordance with the Fair Credit Reporting this account has violated my rights.

15 U.S.C 1681 section 602 A. States that I hae a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions 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 2023-03-15 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The consumer reporting bureau Equifax, XXXX, XXXX and the Domestic relations secretary of XXXX  pa XXXX XXXX XXXX XXXX XXXX  are boldly violating my writes to privacy and are reporting inaccurate information on my consumer report. I never gave any of these companies written instructions. In 15 U.S.C 1681 section 602 A. States 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 2023-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Early Warning Services, LLC
State: AL

Complaint narrative:
XXXX XXXX Consumer ID : XXXX Date of Birth : XX/XX/1978 XXXX XXXX XXXX XXXX, Alabama XXXX Early Warning XXXX XXXX XXXX XXXX XXXX, Az XXXX ( XXXX ) XXXX Dear Early Warning Services, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on an Early Warnings report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see the Verifiable Proof ( an original consumer contract with my signature on it ) you have on file of the account listed below. Your failure to positively verify this account has hurt my ability to obtain banking services. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account listed below. 

Please verify the following account or remove it immediately. 

Account Closed by XXXX XXXX  XXXX XXXX Account # XXXX Closed for Cause- Purged Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: KY

Complaint narrative:
XXXX XXXX XXXX has violated my rights under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 
Accounts in violation : XXXX, XXXX 15 USC 1666B states a creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose. 
Accounts violation : XXXX Please remove these accounts and late payments off your credit and consumer reports.

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 2023-03-15 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: KY

Complaint narrative:
XXXX XXXX XXXX has violated my rights under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 
Accounts in violation : XXXX, XXXX 15 USC 1666B states a creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose. 
Accounts violation : XXXX Please remove these accounts and late payments off your credit and consumer reports.

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 2023-03-15 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: GA

Complaint narrative:
I went to several dealerships to find a car to purchase. I finally found one and I couldnt get approve for the car due to misinformation on my credit reports. I have over 20 hard inquiries oh one of my credit reports in the last few months they have continuously wrecked it and I dont know why? I would like to be able to purchase a vehicle, but these hard inquiries have ruined my credit score and also it looks horrible to the finance company I need for XXXX XXXX, XXXX and Experian to remove these inquiry on my credit report I can list each and everyone each, and every day I have tried to dispute them online before. I have not given anyone any written consent, except for the one car dealership to run my credit report. 
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 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 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

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 2023-03-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo denied me a A refi on my mortgage which caused me to go in a foreclosure

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 2023-03-15 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: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, My name is XXXX XXXX and I am writing to dispute several negative items that have been reported on my credit report. Upon reviewing my credit report, I have found several errors that I would like to bring to your attention. 

Firstly, the following personal information is incorrect : Account Number : XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX. These names belong to someone else and should be deleted from my credit report immediately. 

Secondly, the following addresses are incorrect : Account Number : XXXX XXXX XXXX XXXX XXXX, FL XXXX and XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX. These addresses belong to someone else and should be deleted from my credit report immediately. 

Thirdly, the following personal information is incorrect : Account Number : XXXX XXXX and XXXX. These names belong to someone else and should be deleted from my credit report immediately. 

In addition, there are several accounts listed on my credit report that I have no recollection of ever belonging to me. Specifically, Account Number : XXXX XXXX XXXX XXXX, Account Number : XXXX with XXXX XXXX, and Account Number : XXXX with XXXX. I request that these frivolous accounts be removed from my credit report immediately. 

Lastly, Account Number : XXXX with XXXX has a payment history despite being a charge off. I request that this account be deleted from my credit report immediately. 

I understand the importance of maintaining an accurate credit report and I request that you investigate these errors and make the necessary corrections as soon as possible. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE
State: NY

Complaint narrative:
Please be advised that I recently filed a complaint under this case # XXXX, however, since I filed that complaint there has been additional correspondence with XXXX  ( XXXX XX/XX/XXXX XXXX ) that I deem to be unsatisfactory and quite honestly another stalling tactic. 
I reached out to XXXX for mortgage assistance back on XX/XX/2022 and for the last 3 months it has been nothing but games and zero transparency. I called them yesterday to make a payment and they asked me if I am accepting the " trial payment '' that they are offering, a great deal of pressure on the phone whether or not I was accepting the terms. I never received the letter in regards to the hardship forbearance therefore they emailed it to me yesterday and it is quite disturbing. Instead of lowering the payment to assist they increased the payment by {$600.00} which results in a new payment of {$5200.00}, If I cant afford to currently pay {$4600.00} why would they suggest to increase the payment. I called them back after reading the email containing the letter and questioned why the payment would increase and not decrease and they referenced that the " escrow '' increased which is not accurate as my mortgage recently decreased by {$100.00} due to changes in the escrow. I requested that they send me this information via letter/email and they stated that this was internal information and that they could not disclose this information to me. It appears to me that the intent is malicious, unethical and that they are trying to force homeowners into foreclosure

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: IL

Complaint narrative:
There is a Child Support account currently listed on my credit report that is reporting inaccurate. This account has continuously caused me so much grief. When I first noticed it, it appeared to belong to someone else because the account balance was so grossly high, {$14000.00} and furnished as a collection. When I reported this account back in XXXX of XXXX, the balance was reduced to {$490.00} as of XX/XX/XXXX. This account balance does not reflect the balance of an account I have with the state of Missouri Department of Social Services. On XX/XX/XXXX, I received a signed document from the Missouri Department of Social Services showing that the account that I actually do have has a balance of {$0.00}. However, the report Equifax furnished on XX/XX/XXXX, shows an account with a balance of {$490.00}. Then, the same account shows a balance of {$920.00} that was updated on XX/XX/XXXX. 

I have sent letters in the mail to Equifax to try to resolve this matter as I am aware this agency is suppose to have procedures in place that assure they only report accurate information on my consumer report. Instead of correcting the inaccurate, they keep making changes and this is making things worse for me on top of the unneccessary stress. This account is obviously not accurate and should be deleted from my credit report. This is ridiculous! I have attached the letters from the Missouri showing how the information Equifax is reporting is, in fact, inaccurate. None of it is the same!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: MD

Complaint narrative:
I file three dispute with Experian to properly verified all disputed accounts with a full investigation according to consumer law 1681 ( a ) ( 4 ). They still have not complied with the law or my request/ my lawful rights to send me the document they use to verified these accounts below and the name of the person in there company who verified these accounts as accurate. Im asking for you all to assist me with holding them accountable and furnish over these documents to me. II also stated I do not consent to e-Oscar or any means of automated verification. As of today they sent me the rdispute results online e-Oscar. I want them to mail me the documents or data they use to verifiy the accounts below. Im also requesting that these account be deleted due to several months of willful disregard to do a proper investigation. 

XXXX. XXXX XXXX XXXX Unverified Account XXXX. XXXX XXXX XXXX Unverified Account XXXX. XXXX XXXX XXXX Unverified Account XXXX. XXXX XXXX Unverified Account XXXX. XXXX XXXX XXXX XXXXXXXX Unverified Account XXXX. XXXX XXXX XXXX XXXX XXXX Unverified 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 2023-03-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, My name is XXXX XXXX and I am writing to dispute several negative items that have been reported on my credit report. Upon reviewing my credit report, I have found several errors that I would like to bring to your attention. 

Firstly, the following personal information is incorrect : Account Number : XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX. These names belong to someone else and should be deleted from my credit report immediately. 

Secondly, the following addresses are incorrect : Account Number : XXXX XXXX XXXX XXXX XXXX, FL XXXX and XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX. These addresses belong to someone else and should be deleted from my credit report immediately. 

Thirdly, the following personal information is incorrect : Account Number : XXXX XXXX and XXXX. These names belong to someone else and should be deleted from my credit report immediately. 

In addition, there are several accounts listed on my credit report that I have no recollection of ever belonging to me. Specifically, Account Number : XXXX with XXXX XXXX, Account Number : XXXX with XXXX XXXX, and Account Number : XXXX with XXXX. I request that these frivolous accounts be removed from my credit report immediately. 

Lastly, Account XXXX : XXXX with XXXX has a payment history despite being a charge off. I request that this account be deleted from my credit report immediately. 

I understand the importance of maintaining an accurate credit report and I request that you investigate these errors and make the necessary corrections as soon as possible. Thank you for your attention to this matter. 

Sincerely, 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