vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-13 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: AL

Complaint narrative:
I had existing loans through XXXX that were valid, but there were fraudulent loans showing on my account that I did not authorize or know where they came from. When I realized the loans were showing on my account and showing as past due, I contacted XXXX and disputed them. When XXXX would not do anything with my dispute, despite certification that they were fraudulent transactions, I attempted to dispute them with Experian. To avoid further damage to my credit report and because the loan was a small amount ( less than {$1000.00} ), I paid the loan while I tried to resolve the dispute. 

XXXX claims to have verified the information on my report, but will not verify that the transaction was disputed and was fraudulent. Experian continues to keep the late payment on my credit report even after I filed a dispute. 

The documentation available on my account indicates that the account was fraudulently opened in my name using a stolen credit card number and an old address that I have not lived at for over 2 years. I dont know who or how my information was obtained to commit this fraud, but I do know that it wasnt mine. I have verified, repeatedly, with Experian and XXXX that these are fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 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: IN

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. ( XXXX - XXXX ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights 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 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 explanation
Consumer complaint received 2023-05-13 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: WHEELS FINANCIAL GROUP, LLC.
State: OH

Complaint narrative:
Loan mart is saying I owe money when I do not I have a vehicle that was stolen and this was 3 years ago and they are now reporting I owe them money and havent paid in 12 months this is ridiculous I spoke to them numerous times and Im try to buy house this is preventing me from get a loan I made police report as well when vehicle was stolen

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 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: EQUIFAX, INC.
State: MD

Complaint narrative:
The dates XXXX XXXX. Spoke to and sent letter requesting removal of incorrect information. 


I am writing to clarify an issue with my credit report. During the COVID-19 pandemic, my mortgage with XXXXXXXX XXXX was placed in forbearance due to financial hardship. Later, my mortgage was transferred to XXXX XXXX XXXX, and it has remained in forbearance with XXXX. 

I understand that during the forbearance period, my mortgage servicer is required by law to report my account as current to the credit bureaus, even if payments are temporarily suspended or reduced. Therefore, any late payments or delinquencies should not have been reported to creditors during this time. 

However, I have noticed that my credit report shows late payments from XXXX during the period of forbearance. This information is inaccurate and is negatively impacting my credit score. I would appreciate it if you could investigate this matter and make the necessary corrections to my credit report. 

Thank you for your attention to this matter. If you require any additional information or documentation, please let me know. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Homestead Title Abstract Agency Inc.
State: NJ

Complaint narrative:
In XXXX XXXX we received an email with personal information making us believe it was XXXX XXXX XXXX with wire instructions to complete the closing cost via wire transfer. When calling XXXX XXXX XXXX to verify the amount and confirm wiring information, I was told the amount again with no reason to believe this was not the true wire instructions. At the title company, XXXX confirmed the wire stating they received it. After an email again was sent stating the account was closed, XXXX confirmed it was a scam and couldnt tell me if their systems were involved in a hack. Within the hour, we notified XXXX XXXX to recall the wire and nobody at the local branch was able to do it. Wasting precious time to initiate the kill chain. I contacted the FBI and they froze the money but XXXX XXXX has not been for coming or helpful and states the money has been lost even with multiple red flags on the account the money was wired to.

Company response to consumer: Untimely response
Consumer complaint received 2023-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
I received an email today, XX/XX/2023, from Transworld Systems incXXXX about a debt from XXXX for {$380.00}. I have never owed an account with XXXX and never received bills for said account. No notice of debt before today.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 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:
I continue to have to dispute the following accounts over and over again. The following accounts were included and discharged in a XXXX  XXXX Bankruptcy in XX/XX/2017 : XXXX XXXX XXXX acct ending in XXXX is incorrectly being reported as OPEN with a balance of {$24000.00} on Equifax and XXXX, even though both credit bureaus have records of the the previously reported correct information. This most recent addition of the incorrect XXXX account information costs me a XXXX loss from my credit score. This has happened before. 

XXXX XXXX XXXX  credit card acct ending in XXXX is incorrectly being reported as OPEN with no status as an Other Account on Equifax and XXXX, even though both credit bureaus have records of the the previously reported correct information ( discharged in XXXX. XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I'm getting harrassed daily by Credence Resource Management, located at XXXX XXXX XXXX XXXX, XXXX, TX XXXX, and ( XXXX ) XXXX. Anywhere between 5 - 10 phone calls a day. 

They will not stop contacting me even though I've tried to explain that I am not the person they are looking for, nor is the phone number ( my phone number ) registered to the person they claim to be looking for. This has been ongoing for quite some time, so we're talking about hundreds of phone calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PR

Complaint narrative:
On XX/XX/XXXX i resquested a new vehicle loan thru USAA federal financial bank. The loan was aproved and i began serching for a vehicle. I got a deal for a XXXX  XXXX XXXX  thru a local dealer at XXXX XXXX XXXX XXXX and they send the documentation to USAA requesting the amount of XXXX for the above mention vehicle. USAA after several days without hearing from USAA i call them to inquire on the vehicle purchase and was told by them that they could not fund the vehicle even thought i have been approve for the amount because the paperwork sent by the dealer was in XXXX. The dealer also contacted USAA and were told the same thing. I proceeded to contact USAA and told the that since my dealer could not provide the require paperwork in XXXX i needed to cancel the loan. At that momente the person that anwer the call told me that i did not need to cancel the loan because the the 14 day period ofter requested was almost up and the loand would cancel itself at the endo of the period. I went ahead and funded the vehicle thu a local bank here in XXXX XXXX. In the begining of XXXX while reviewing my accounts i noticed that USAA funded the vehicle they told me that was not posible to fund due to paperwork. I contact the bank to inquiere of the situation and was told by then that in fact somebody made a mistake and funded the vehicle. They asked me to contact the dealer to return the money they send them with the interest accrued to the date. I have contact the dealer several times but the refused to pay the interes accrued as they were told that the vehicle could not be funded with the sent paperwork. On XX/XX/XXXX dealer sent a check for the exact ammount they were sent by USAA bank. I again contacted the bank on XX/XX/XXXX to verified they had received the check ( even thou i coukd see that the certified ups tracking shown that the check was receive ). And was told by then that i needed to wait a week to verified the check status. I waited a week and again contact USAA at that moement i was informed that the check was receive but since the dealer made a mistake writting the bank name it was not going to be cashed and they were going to send it back. I waited a week and contacted the dealer to inquiere on the sent check. I was told by the dealer that they havent receive the incorrect check and they needed in order to reissue another one. USAA had been contacting me asking for payment and threatebing to damage my credit score which until thsi situation had been in exelent standing.

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 2023-05-13 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: AL

Complaint narrative:
I had existing loans through Affirm that were valid, but there were fraudulent loans showing on my account that I did not authorize or know where they came from. When I realized the loans were showing on my account and showing as past due, I contacted Affirm and disputed them. When Affirm would not do anything with my dispute, despite certification that they were fraudulent transactions, I attempted to dispute them with XXXX. To avoid further damage to my credit report and because the loan was a small amount ( less than {$1000.00} ), I paid the loan while I tried to resolve the dispute. 

Affirm claims to have verified the information on my report, but will not verify that the transaction was disputed and was fraudulent. XXXX continues to keep the late payment on my credit report even after I filed a dispute. 

The documentation available on my account indicates that the account was fraudulently opened in my name using a stolen credit card number and an old address that I have not lived at for over 2 years. I dont know who or how my information was obtained to commit this fraud, but I do know that it wasnt mine. I have verified, repeatedly, with XXXX and Affirm that these are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/XXXX from my XXXX XXXX XXXX account ending in XXXX I transferred {$42.00} to my Venmo account XXXX XXXXXXXX XXXX XXXX ) The automated systems of XXXX provided me a transaction confirmation of XXXX I never received my funds, When I submitted a support incident I was advised that this was not their issue and that I needed to go back to XXXX which I did and XXXX confirmed that the transaction was XXXX and XXXX  asked me to go back to Venmo Support again . This time they they said there was no way to trace their payments and kept pushing me to a FAQ where they confirmed that I would need to get the police involved. I questioned them about that action because I was the sender and the recipient and that would be filing a false report which is against the law in most states. They stated that I could do that or go back to my bank ( XXXX ) which I did but I pressed them for information about a full audit of my account to be sent to the account on record. They have yet to action that. They also stopped communicating with me regarding my lost money. 

I use this service too much to just not trust that my transactions are not safe and I have some recourse when THEIR SYSTEMS aren't safe and they are following the guidelines that financial organizations are required to follow. 

they refused to tell me what financial organization they report to in regards t financial regulations. The closet I got was The government. I laughed as I pressed what specific organization. They refused to provide that information to me. They did say file a complaint with Consumer Finance Protection if I was unsatisfied though. 

Attached is the full communications between myself and Venmo.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Windham Equity Company
State: CT

Complaint narrative:
I bought a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX my car have been giving issues. I took it to XXXX XXXX  for them to check what was giving the issue and they told me I will need an update tcm mod, but the part been on backorder for the past 9 months now. They also told me I need the change both of the actuator which I did, and that the car was having an oil leakage to I took it to my mechanic and thought that wouldve help but the mechanic realized the leakage was coming frm the transmission. So I took the car to the transmission shop and they told me in order to fix it I will have to pay over XXXX. I tried calling the dealership and they kept telling me the person that sold me the car isnt in until a certain time when I call back they kept telling me the person isnt in as yet. At this point idk what to do. Not the car is in my drive way parked because it wouldnt start. Im here paying XXXX a mth to the finance company and XXXX for my car insurance while Im taking XXXX to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/XXXX I contacted the Bank Of America fraud department for XXXX payments withdrawals from my account I did not authorize. XX/XX/XXXX I got a letter stating a decision was made XX/XX/XXXX in my favor that these withdrawals were fraud and a check would be mailed to me in the amount of {$3400.00} on XX/XX/XXXX. XX/XX/XXXX I spent over an hour at the Bank of America XXXX PA branch updating my mailing address and trying to get a status update on the fraud reimbursement check I never received. The gentleman on the phone said a credit was made to a closed account and the money was in limbo. He thanked me for bringing this to the banks attention and I would recieve the check in 7-10days. XX/XX/XXXX I spend over 1.5hrs at the Bank of America XXXX PA branch with XXXX the branch manager trying to get an update in the same reimbursement check I still had not received. The final result that day was to return XX/XX/XXXX when the fraud department was open. I came in XX/XX/XXXX and after over an hour of department phone calls with the branch manager XXXX, we were told the check was going to be mailed that day, Monday XX/XX/XXXX. Wednesday XX/XX/XXXX I again entered the Bank of America XXXX PA branch to receive an update to the fraud reimbursement funds check. After over 2hrs of phone calls between departments the branch manager XXXX escalated my complained to her supervisors. I called XXXX XX/XX/XXXX to see if there was any update at which point she informed me the fraud department overturned their decision in my favor and I am no longer entitled to a reimbursement of fraudulent charges.

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 2023-05-13 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: PA

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 confidentially under XXXX XXXX XXXX. Act Name : XXXX XXXX, XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX 's, XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX, XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX I, 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) 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 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 explanation
Consumer complaint received 2023-05-13 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: CLGF Holdco 1, LLC
State: MD

Complaint narrative:
I was behind on my payment due being on temporary XXXX for a few months after a surgical procedure in XXXX. In XXXX I received a letter from XXXX XXXX XXXX XXXX with an offer to settle my account. I was able to acquire a debt consolidation loan from my bank. In XX/XX/2023 I paid the requested amount and the remaining balance was forgiven. I'm in the process of purchasing a home. My credit reports do not coincide with XXXX report regarding the XXXX XXXX XXXX. The XXXX XXXX  account was paid and closed in XXXX on all 3 credit bureaus. However in XX/XX/2023 XXXX accepted a file from XXXX XXXX XXXX  reporting my account over 90 days late and derogatory. My score has been going up and down like a roller coaster on XXXX only. I believe they are accepting fraudulent information or they are reporting fraudulent information so that I will subscribe to their subscription services to monitor my credit reporting activities. I attached a letter from XXXX XXXX XXXX XXXX The letter reads - your XXXX XXXX account issued by the XXXX  XXXX XXXX  above has been settled for less than the full balance. You may receive a final statement reflecting your settlement payments. However, please regard any minimum payment or balance due information as the remaining portion of your count balance as shown that the top of this letter has been forgiven. Sincerely, Genesis FS card services the XXXX XXXX account is issued by the XXXX  XXXX XXXX and XXXX by Genesis FS card services Inc.. 

XX/XX/2023, XX/XX/2023, XX/XX/2023 reads XXXX XXXX info reported. There shouldn't be any information reported after XXXX payment because it was closed. Genesis FS card services also known as the XXXX XXXX XXXX  failed to report that the account was closed in XXXX, instead of reporting closed they didn't report anything ** except for XXXX when they reported that I was over 90 days past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I continue to have to dispute the following accounts over and over again. The following accounts were included and XXXX in a XXXX XXXX Bankruptcy in XX/XX/XXXX : XXXX XXXX XXXX acct ending in XXXX is incorrectly being reported as OPEN with a balance of {$24000.00} on XXXX and Experian, even though both credit bureaus have records of the the previously reported correct information. This most recent addition of the incorrect XXXX account information costs me a XXXX loss from my credit score. This has happened before. 

XXXX XXXX XXXX XXXX XXXX acct ending in XXXX is incorrectly being reported as OPEN with no status as an Other Account on XXXX and Experian, even though both credit bureaus have records of the the previously reported correct information ( XXXX in 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