vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-17 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute some negative items that have been reported on my credit report. After reviewing my credit report, I have noticed several inquiries and accounts that I do not recognize or have reason to believe might be fraudulent. I would like to request that these items be investigated and removed from my credit report immediately. 

Firstly, I do not recall authorizing the inquiries made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Since these inquiries might be fraudulent, I am requesting their immediate removal from my credit report. 

Secondly, I can not recognize the account from XXXX XXXX XXXX ( account number : XXXX ) and would like to request that this account be deleted from my credit report. 

Finally, I have concerns about the legitimacy of the accounts from XXXX XXXX XXXX ( account number : XXXX XXXX XXXX XXXX ( account number : XXXX ), XXXX XXXX XXXX ( account number : XXXX ), and XXXX XXXX XXXX ( account number : XXXX ). Either clarify the information related to these accounts or delete them from my credit report immediately. 

I believe that these negative items are impacting my credit score and ability to obtain credit in the future. I am committed to improving my credit score and being responsible with my finances, and I believe that removing these negative items will help me achieve this goal. 

Thank you for your time and consideration in this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC
State: FL

Complaint narrative:
since XX/XX/XXXX was my first payment, i never received my statement by mail till date. every time i make my payment i ask the agent, where i call and make my payment he says that its been mailed to me wait, i asked them to repeat my address every thing is correct but i don't receive my statement. global lending services LLC, XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Fruad Accounts Appearing on Credit 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 2023-03-17 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Fruad Accounts Appearing on Credit Reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: FL

Complaint narrative:
I HAVE CARRIED OUT MULTIPLE MANAGEMENTS WITH TRANSUNION, VERY CONCERNED ABOUT THE ACCOUNTS THAT ARE IN THE CREDIT THAT ARE NOT MINE. AND I HAVE NOT RECEIVED TRANSUNION LETTERS. 

I request the removal of these accounts that are affecting me and are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-17 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: FC HoldCo LLC
State: FL

Complaint narrative:
In accordance with the fair credit Reporting act my rights have been violated- 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instuctions.

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

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 2023-03-17 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: GA

Complaint narrative:
The Transunion Credit Bureau is reporting inaccurate information in XXXX XXXX XXXX Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 
XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2016 Balance Owed : {$790.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: FL

Complaint narrative:
On XX/XX/2023 at about XXXX I called RentDebt Automated Collections to settle my rental debt with them and spoke to one of their representatives. I asked her two times if by me paying this debt or settling it would it be removed from my credit report. The representative said yes and I quote " You will be able to apply at a new apartment complex ''. On XX/XX/2023 I applied at an apartment complex because my credit reports updated and it stated the collection was paid and closed. The very next day I got an email saying I was denied because I have a collection from an apartment complex so I called RDAC again and spoke to someone else and they said that they don't remove anything and that they have no record of my previous call just the payment. Now I lost out on {$90.00} applying somewhere new and with no hope of getting the collection removed. They are telling people yes it will be to pay the settlement to then say they don't delete it stays on for 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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:
You are reporting a fraudulent account on my credit report. The collection agency XXXX XXXX has dismissed the case and filed a nonsuit without prejudice which I will attach to this complaint. The company does not have a copy of my ssc, or a photo id, meaning that anyone could have opened an account in my name. I will also attach my data breach claim in which I found out that my information was compromised in the 2017 XXXX data breach. If this account is not deleted within 15 days, I will be seeking legal action and compensation up to {$1000.00} per FCRA violation. All information provided herein under the penalty of perjury is true and accurate to the best of ability and knowledge.

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 2023-03-17 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: GA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint and there is no third party involved. These accounts/items are inaccurately and erroneous reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedback about this concern, and I requested a complete payment history of these accounts/items for me to review the exact date on which the negativity was posted. There was definitely an error on their part. The bureaus are condoning illegal behaviour and willfully in the violation of FCRA. REMOVE THEM FROM MY REPORT IMMEDIATELY. 
Inaccuratye Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My husband and I had a car loan through Wells Fargo. He became XXXX and we contacted we contacted Wells Fargo and stated we could not pay for the vehicle anymore. We tried five times. The Vehicle sat in our yard for XXXX years rotting as junk since it had electrical problems and we wanted them to repo it. Every time they told us they do not repo vehicles. Last year in XXXX we were contacted by the IRS with a letter stating Wells Fargo claimed a 1099 in the year XXXX. They sent it to our old address even though they knew we had moved so we never received the 1099 since taxes do not get forwarded. We found out they claimed a 1099-C cancellation of debt and now we owe the IRS {$3200.00} that we do not have. My husband is still XXXX and I am work XXXX jobs to make ends.

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 2023-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: WA

Complaint narrative:
I am XXXX military and lived in South Carolina in XXXX I moved out of South Carolina in XXXX of XXXX and out of my apartment complex. I had given a copy of my written military orders to the company showing that I was leaving the area on a military XXXX. I then had to go on XXXX at the beginning of XXXX until the end of XXXX. in XXXX I was contacted saying that I was overdue by 6 months on an electric bill. I had not lived in this location for any period of the time they had stated, and I was never contacted about a bill that was missed for this period. Only time I was made aware of this was when I checked my credit report and saw a large drop in credit. I had contacted the company about trying to resolve this issue and they agreed that this was an issue and should not have been reported as a debt. I am now receiving calls from a creditor asking to pay this amount and it is still on my credit report as an unpaid debt.

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 2023-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: NY

Complaint narrative:
XXXX XXXX is XXXX. 
XXXX and can not pay debt due to his XXXX. 
It is the responsibility of Medicaid and Medicare of whom is Responsible for XXXX XXXX. 
XXXX has to attempt to collect from XXXX and XXXX. 
XXXX is sending threatening notices to my residence after XXXX XXXX repeatedly asked XXXX to stop sending letters to my house. 
XXXX XXXX spoke with Supervision of XXXX and informed XXXX of the situation. 
XXXX has sent XXXX XXXX XXXX different letters for collection for a 2022 debt that XXXX XXXX is not aware of A debt was never attempted to be collected or asked for in 2022. 
XXXX is spamming XXXX XXXX mailbox. 
Please ask XXXX to Cease and desist all Spam letters.

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 2023-03-17 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: TX

Complaint narrative:
You are reporting a fraudulent account on my credit report. The collection agency XXXX XXXX has dismissed the case and filed a nonsuit without prejudice which I will attach to this complaint. The company does not have a copy of my ssc, or a photo id, meaning that anyone could have opened an account in my name. I will also attach my data breach claim in which I found out that my information was compromised in the 2017 XXXX data breach. If this account is not deleted within 15 days, I will be seeking legal action and compensation up to {$1000.00} per FCRA violation. All information provided herein under the penalty of perjury is true and accurate to the best of ability and knowledge.

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 2023-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
WHAT IS THE ISSUE : Chase recorded a double charge of {$900.00} on our credit card on XX/XX/XXXX. The merchant that supposedly charged us the money was XXXX XXXX. Attached is the credit card showing the double charge and the invoice from XXXX showing only one charge. 


WHAT HAS BEEN DONE TO RESOLVE THIS : 1 ) I contacted XXXX XXXX XXXX did not show any double charge on our account and told me I would have to file a dispute with the credit card company. 

2 ) I filed a dispute with Chase online in XX/XX/XXXX noting the double charge. Chase contacted XXXX. XXXX provide Chase a receipt that Chase said proved that the double transaction was valid. 

3 ) I contacted XXXX XXXX XXXX with a copy of the receipt XXXX had sent to Chase. XXXX XXXX XXXX in response provided TWO separate emails explaining the codes on the receipt, what the codes mean AND specifically stating that XXXX ONLY charged our account ONCE. Attached is the second email from XXXX XXXX XXXX dated XX/XX/XXXX. 

4 ) I sent the emails to Chase via certified mail on XX/XX/XXXX. I supplied all the information and asked them to contact the person at the XXXX XXXX XXXX ( XXXX ) that had been working the case. Chase responded with a form letter. When I called Chase, they told me the time was up and they would not put me through to any manager. 

5 ) I went directly to a local Chase Bank for help. The Chase Bank contacted Chase Credit Card to reopen the dispute. They reached a Chase Credit Card Support Manager XXXX XXXX XXXX who said she would work the case. XXXX is no longer responding to the Chase Bank representative or to me via phone or email. Chase Bank says they do not have any leverage over Chase Credit Card division and that Chase Credit Card division can only be contacted via phone ; they could not give me Jessicas direct contact information. 

CONTACTS : Chase Customer Service; XXXX CONTACTS : XXXX XXXX ; XXXX XXXX ; XXXX XXXX  [ RE : Reservation ID : XXXX ] ; Customer Engagement Center ; XXXX ; XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF THE WEST
State: CA

Complaint narrative:
I have recently applied for a mortgage to buy a house and my credit was pulled. On my credit it shows that I was late on three of my home mortgages which is not correct. My mortgage is set on automatic payment with my bank and the three late payments was during the pandemic that we had deferment payments period and during those periods we show one late payment. Plus two others that is the bank 's mistakes. My account was compromised as well and I opened a new account but the bank did not make the changes on time to pull out the money from my new account therefore showed late payment. They promised that they would reverse these late reports but they have not done that. This was supposed to be taken care of by my account manager but he has not done his work. I am disappointed that the banks mistakes have affected my otherwise perfect credit score. I have been current with all my mortgages including my commercial mortgages. This is not acceptable.

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 2023-03-17 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: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
The collection agency XXXX XXXX XXXX has yet to discontinue furnishing inaccurate data to XXXX. I have never had an obligation to pay this company anything. My credit report has a comment acknowledging that this account was disputed but I have yet to receive any validation of this account that they are reporting. I am unaware of having a balance with the original creditor. The only account I've had with the original creditor is not the balance that is reporting on my credit report therefore I am asking for proof of this account or remove this immediately before I am forced to take legal action. I was involved in a data breach which I will attach to this complaint, so it is very possible that my information was compromised. Send me a copy of my ssn, photo id, proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties, contract bearing my personal signature -License proof to collect debts in my state and provide me of the amount of which the debt was purchased-Per the CFPB, I have this right as a consumer. If you can not provide ALL of the listed proof of validation then delete this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I was just made aware of an unauthorized fees on my account since XXXX, I called Lowes Synchrony and was told to call XXXX XXXX. This is a formal request to dispute all charges from XXXX  from XXXX XXXX as I did not sign up for their services. Attached is a copy of the dispute form along with a detailed workbook requesting the return of {$10000.00} plus any associated interest and late fees on my account. XXXX XXXX could not provide any proof regarding these transactions. I received all copies of credit card statements yesterday, XXXX XXXX, and have performed a detailed audit. I did not ever agree to signing up for this " service '' from XXXX XXXX as my credit card was set up in store.

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 2023-03-17 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: TX

Complaint narrative:
I had a repo back in 2019 thru XXXXXXXX XXXX and every month since then they update it and report it as a new repo. Every month it causes my score to go down. I disputed it and all 3 corrected it for the month of XXXX causing my score to go up alot. But XXXX reported it again as a new repo so back down it went. I can't dispute it because the system won't let me because I disputed it once already. Not to mention XXXX bank sold my truck to an employee / member instead of sending it to auction where I know it would have went for far more then they sold it for. Then they turn around and have been charging me interest and late fees on top of interest and late fees.

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 2023-03-17 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: GA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint and there is no third party involved. These accounts/items are inaccurately and erroneous reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedback about this concern, and I requested a complete payment history of these accounts/items for me to review the exact date on which the negativity was posted. There was definitely an error on their part. The bureaus are condoning illegal behaviour and willfully in the violation of FCRA. REMOVE THEM FROM MY REPORT IMMEDIATELY. 
Inaccuratye Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief