vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
I found out about the debt through a credit report. I called and mailed a letter to the company in XXXX of 2023 but haven't gotten a response.

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 2023-03-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: United PanAm Financial Corp.
State: PA

Complaint narrative:
ON XX/XX/ I ENTER INTO A INSTALLMENT CONTRACT AND SECURITY AGREEMENT WITH XXXX XXXX WHO IN THAT SAME DAY TRANFERED AND SOLD MY CONTRACT TO UNITED AUTO CREDIT... .I PUT DOWN XXXX $ CASH TO XXXX XXXX XXXX THE REST OF THE PAYMENTS WENT TO UNITED AUTO CREDIT , AFTER LOOKING THROUGH THE CONTRACT I DIDNT SEE ANY RIGHTS TO RESEND MY CONTRACT, SO THEY FAIL TO DISCLOSE RIGHTS OF RESCISSION ALONE WITH A HOST OF OTHER VIOLATIONS THAT YOU WILL SEE IN THE DOCUMENTS THAT I WILL BE UPLOADING ... .UNITED AUTO CREDIT REPOED , MY CAR AND TOLD ME THEY WOULD BE SELLING MY CAR, I SENT UNITED AUTO CREDIT AN AFFIDAVIT FACT EXPLOITING THEIR VIOLATIONS ALONE WITH THE CONTRACT I RECEIVED FROM THEM .....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: CITIBANK, N.A.
State: NY

Complaint narrative:
In accordance with the fair crediting reporting act, these creditors have violated my rights. Under 15USCC1681 SEC 602 which states that I have the right to privacy. 15USC1681 SEC 604a section 2 which states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B, a creditor may not treat a payment on a credit card account under an open and consumer 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 non-monetary relief
Consumer complaint received 2023-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: PA

Complaint narrative:
On XX/XX/2023 I received an email from TrueAccord claiming I owed nearly {$3800.00} for an account with XXXX 's that was transferred to them from a company called XXXX, I never have had such an account. I emailed to them that the account was not mine and cited that the zip code, XXXX, for the debtor was not mine, but they failed to respond to my several attempts to contact them. I finally received an email, two weeks later, indicating that the account, that they still claimed was mine, was transferred back to XXXX. XXXX also has failed to respond to my several attempts to contact them. I have never had an account with XXXX 's and was never contacted by them or XXXX in any fashion either by mail, phone or email, concerning this prior to the email from TrueAccord. I did find that a person with the same first and last name as mine does live at the zip code in XXXX SC XXXX. I advised TrueAccord of this and never received a response. What TrueAccord has done is to link my email with someone else 's financial record. And they refuse to admit their error. I was fearful at first that this was either a scam or identity theft. Now I realize that TrueAccord is a bottom feeder seeking by any means available to enhance their coffers by scaring senior citizens with their tactics. They violated regulation F by not providing in their email to me all the required information concerning the alleged debt. but only the owners zip code and the ending digits of an account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to dispute several hard inquiries on my credit report. According to my credit report, there have been several hard inquiries made by various lenders over the past few months that have negatively impacted my credit score.

I understand that lenders have the right to request my credit report as part of their lending process, but I believe that these inquiries were made without my consent or authorization. I have not applied for any credit or loans during this time period and have no knowledge of any lenders or financial institutions conducting a credit check on me.

As you are aware, hard inquiries can stay on a credit report for up to two years and can have a negative impact on my credit score, which can affect my ability to obtain credit in the future. Therefore, I am requesting that these hard inquiries be removed from my credit report immediately. 

I have already contacted the credit reporting agencies and disputed these inquiries, but I have not received a satisfactory response. I am hoping that your organization can assist me in resolving this matter as soon as possible. 

My credit report clearly shows the unauthorized hard inquiries from the following companies XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Please let me know if you require any further information or documentation from me to resolve this matter. 

Thank you for your assistance in this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I contacted Equifax numerous times during last 3 months to prove the rights of dispute this XXXX  collection amount. each time Equifax asking me to provide a CERTAIN documents, Once I provide all the documents they asked for, They still IGNORED and INSISTED to keep this FALSE collection in my credit. 

In the same time that I submitted just one document to XXXX, they Thankfully dispute this False collection Immediately. 

PLEASE DISPUTE This XXXX Collection RIGHT AWAY. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: Central Portfolio Control Inc.
State: FL

Complaint narrative:
I got an another medical bill from collection agency, but the same amount ( {$1000.00} ) is in my credit report ( before collection agency company was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX. Tel XXXX activity XXXX XXXX XXXX collection ). Today collection agency company is XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, MN XXXX tel XXXX activity XXXX XXXX XXXX ( collections ), the original bill was charged on XX/XX/2017 for medical service, but this bill wasnt mine, it was someone name on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been working on my EXPERIAN credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2023-03-22 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: MS

Complaint narrative:
There are inquiries on my credit report that i do not recognize or didnt give any authorizations to inquire or check my report.

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 2023-03-22 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My Experian credit score had fluctuated + / - XXXX points every 2 - 4 weeks since XX/XX/2022 in spite of having no negative score factors being reported, the Experian website showing all positive key factors ( exceptional or very good ), and all positive score indicators. 

IE : Credit utilization 0 %, no late or missed payments, one auto loan with no late or missed payments, not seeking new credit, long credit history, long revolving credit history, no public records, no new inquiries. 

I have called Experian several times due to the fact that nothing has changed on my report, no negative information, and the fact that they are reporting all positive factors -- and my score is still fluctuating every 2 weeks the exact same amount of points ( XXXX  points up and XXXX  points down ). They offer no explanation other than 'the information is coming from FICO '. 

I am concerned that they are either combining my report with a different person 's or trying to get me to sign up for their credit boost program.

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 2023-03-22 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: TX

Complaint narrative:
The following Inquiries on my report are not authorized by me, In Accordance with the FCRA section 611 this companies violated my consumer right, I have attached a copy of FCT report. Please kindly remove inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: BCA Financial Services, Inc.
State: NJ

Complaint narrative:
I received a collection notification. I was not sure what it was and requested verification but did not receive what I requested. 

In my letter that was dated XX/XX/2023, I disputed the alleged {$870.00} debt that BCA Financial is attempting to collect. I Additionally requested verification of the alleged debt pursuant to my rights under the FDCPA. 

I am within my rights of a verification request under the FDCPA, I requested a copy of a signed contract. 

I also requested that they cease and desist all collection activity, including credit reporting. I requested that they delete any and all reporting made to any consumer credit reporting agencies. 

They have clearly failed to address my very specific legal requests and are in clear violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Too many fees on items

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 2023-03-22 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: OH

Complaint narrative:
My Cross-country Mortgage payment was incorrectly reported as 30 days late in XXXX of 2023. I disputed this with Experian & XXXX. I provided multiple forms of confirmation showing that my payment was on time. This included payment confirmation from XXXX. 

After closing the dispute, Experian determined that the late payment was reported correctly and chose to keep it on the report. I have escalated this with Experian, providing once again the proof of payment. 


XXXX has not updated m report after closing the investigation.

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 2023-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: TX

Complaint narrative:
Google Pay sent two payments in the amount of {$2300.00} one day and {$900.00} another day to XXXX XXXX XXXX XXXX in XXXX XXXX. The service they were supposed to provide is the XXXX and XXXX XXXX XXXX XXXX for You where they set up a shopify and XXXX store and do all the social media set up, run marketing and advertising to bring in sales and after that do a lot of marketing that they just start selling the products all. This company did not provide services that were stated in the contract they made me sign, they kept on adding and removing products to the store they were setting up and were supposed to fully build out and transfer to me but nothing ever got set or fully completed or even remotely done. 
For the XXXX they said they do automated service they only added 6 products to this marketplace on my behalf but I paid for 100 products on XXXX and XXXX. After setting up 6 products, one of them was for a price of {$2700.00} that product now sold, mind you I paid them {$2300.00} for the package of fully automated XXXX and XXXX services. 
After that expensive massage chair sold on the store, they asked me for the money to ship the product as the cost of the chair was {$1400.00} and my profit will be {$1300.00}, I told them I had only {$600.00} and they asked me to send that which I did. They never shipped any product and XXXX never got a tracking number. 
After making this bogus sale they stopped doing anything on the store and I kept on messaging them before they stopped responding. 
I filed a claim with my bank who rejected it because the transaction was made through Google Pay that is a third party provider. Google pay refused to refund me that the charge is valid and has been picked up. I never got the service I paid for and I need my money back from Google Pay or my bank please help me. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: LA

Complaint narrative:
I XXXX XXXX A CONSUMER HAS ASKED THE 3 MAJOR CREDICT REPORTING AGENCIES TO UPDATE AND CORRECT THE INACCURATE, INCOMPLETE, AND INCORRECT INFORMATION SHOWING ON MY CREDICT REPORTS. I HAVE SENT LETTERS ON SEVERAL DATES XXXX. XXXX XXXX AND EXPERIAN HAVE COMPLETELY DISOBEYED FCRA THEY HAVE NOT REMOVED PERSONAL INFORMATION THAT NEEDS TO BE REMOVED IMMEDIATELY. XXXX, XXXX, AND EXPERIAN HAVE NOT MARKED ACCOUNTS AS DISPUTED. SO, IM REQUESTING THAT THEY DELETE ALL THE FOLLOWING ACCOUNTS AND INQUIRIES FROM MY CREDICT REPORT IMMEDIATELY.

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 2023-03-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc.
State: GA

Complaint narrative:
This company 's offer was not clear. 

This account was opened in XX/XX/XXXX through a tire purchasing service. There was an offer to help build credit and finance for a tire purchase. The tire purchase totalled {$1000.00} with an early payoff period of 100 days. I was granted a standard credit limit of {$2000.00}. What they did not relay was they would charge a 200 % " leasing fee '' at the time of the purchase. It was relayed that it would be standard percentage finance fees up to 34 %. 

On XX/XX/XXXX I contacted to inquire why the balance was so high with such a significant amount being paid off. The total amount paid on the account as of XX/XX/XXXX is {$1400.00}. That's {$420.00} over the amount originally financed. 

The representative claimed that there was a " leasing fee '' of {$1900.00} on the account. They claim after the 100 day period they would discount the leasing fee by 55 % but capped my account discount at {$560.00} which is less than the 55 %. Then charged an additional sales tax of 6 % on top of the tires that was already charges sales tax for the total amount and the " leasing fee. '' The account has had a total amount paid {$1400.00}. When I called to figure out why the account has a balance of {$1100.00} when the total amount paid is far exceeding the total amount financed, it's this now called " leasing fee. '' When I said this was not explained that the rate at which we took for the purchase was a percentage like a standard loan was converted to a 200 % leasing fee. 

I did my research and I went ahead and took a look at the process with another individual and the business does not describe there is a 200 % lease fee, it shows as a standard purchasing loan process with a percentage of up to 34 % not 200 %. No one in their right mind would agree to a 200 % fee of what they were purchasing especially in an economy like we have. 

This is unethical practices in every capacity. It is misleading. I would not do business with this company again nor recommend anyone else do business with them. It is a requirement to fully disclose all fees, expenses associated with a loan of any kind. They are basically a loan shark.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-22 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: GA

Complaint narrative:
XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX The credit bureaus are in violation of the law. I showed them multiple times on how they are violating the Fair Crdit Reporting Act According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. 

According to 15 USC 1681b ( 1 ) the credit bureaus don't have written permission.

According to 15 USC 1681 I have a right to privacy.

According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notice, that specific information is inaccurate; and ( ii ) the information is in fact inaccurate. 

They have committed countless violations and has blatantly shown total disregard for the law.

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 2023-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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