vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
Credit acceptance auto finance loan is a bunch of crooks. All the information pertaining to my car loan that I inquired on has continuously went unanswered. Here are some of my concerns. For starters I have been paying a repossession down for two ( 2 ) years in the amount of {$500.00} monthly and the balance still remains the same. This would make the loan more than 120 days past due and yet the loan has still yet to be written off ; and I am still being assessed compounding late fees. I would like to settle this loan for a reasonable amount or the value of the vehicle. I have dealt with difficulties and setbacks throughout the course of the pandemic including contacting XXXX  myself multiple times, unsteady employment and housing and each and every time I asked for assistance I had been denied. Please assist with a settlement or balance write off for this vehicle as they have received more than what the vehicle is worth.

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 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to dispute several unauthorized accounts and transactions on my credit report that I believe are a result of identity theft. I recently discovered that my personal information has been used without my consent, and I suspect that my nephew, [ Nephew 's Full Name ], may be responsible for this fraudulent activity. I believe that my nephew, may have used my personal information to open these accounts and carry out these transactions without my knowledge or consent. I have reason to believe that he had access to my personal information, such as my Social Security number, date of birth, and other identifying details, which could have been used for these fraudulent activities. 

I kindly request that you remove these unauthorized accounts and associated negative information from my credit report as soon as possible and provide me with written confirmation of the actions taken. 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 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: CA

Complaint narrative:
My credit report is showing late payments to Dept Of Ed/Nelnet XXXX XXXX Dept Of Ed/Nelnet XXXX XXXX Dept Of Ed/Nelnet XXXX XXXX Dept Of Ed/Nelnet XXXX, and Dept Of Ed/Nelnet XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or Nelnets customer service representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting 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: MI

Complaint narrative:
XXXX. XXXX # XXXX XXXX. XXXX # XXXX 15USC 1681 a ( d ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Phone calls XXXX  XX/XX/XXXX XXXX and XXXX Sent in writing XXXX  XX/XX/XXXX and XX/XX/XXXX. Account has been removed from my credit report XXXX  different time. 
This is not my account or my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
Companies and credit bureaus refuse to provide proof of alleged debt. Under the FDCPA I have the right to request proof. The credit bureaus and companies continue to refuse to provide proof. These COMPANIES AND CREDIT BUREAUS continue to report these debt false while totally ignoring the laws under 15 USC 1692g SEC. 809 ( FDCPA )

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 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Companies and credit bureaus refuse to provide proof of alleged debt. Under the FDCPA I have the right to request proof. The credit bureaus and companies continue to refuse to provide proof. These COMPANIES AND CREDIT BUREAUS continue to report these debt false while totally ignoring the laws under 15 USC 1692g SEC. 809 ( FDCPA )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: SC

Complaint narrative:
My case number with cash app is XXXX. On XX/XX/XXXX I loaded money onto my cash app that my father provided to me since Im away at XXXX. The money went onto the account no issues, later that day cash app started to glitch and I was unable to use cash app at all. They told us not to log out which I didnt. The next day I woke up and all {$5200.00} dollars was gone. Ive reached out for a resolution and no one is trying to help me. My money vanished because of their technical difficulties and no one is trying to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion, XXXX, and XXXX continue to report inaccurate information on my consumer report. This information is damaging my consumer report and causing me to be denied credit. There are several addresses on my consumer report that DO NOT belong to me. I have requested that the reporting agencies remove this inaccurate information and they have failed to comply. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
When I reviewed my credit report, I discovered some information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and omitted from erroneous reporting in my file are listed on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
When I reviewed my credit report, I discovered some information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and omitted from erroneous reporting in my file are listed on my credit 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 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Williams & Fudge, Inc
State: FL

Complaint narrative:
XXXX XXXX  put this collection on my XXXX XXXX in the past with XXXX XXXX XXXX in XXXX XXXX XXXX I called and emailed the issue directly with them as well as Consumer Finance to let you all know that I did not owe XXXXXXXX XXXX They got paid from the Department of Education in XXXX the last time I was an actual online only student. I never paid out of pocket. They only got paid from D.O.E.. When their funding stopped from thr D.O.E. for misappropriation of federal funding. The was taking to court. They lost the trial for being fradualent with the D.O.E. Asking for more money inappropriate like they have continued to do to me as well as several other students, in a last ditch effort to get more cash. Now they give the fraudulent collection to Williams and Fudge to attack my XXXX when I already gotten rid of them. In the middle of this time they have continued to call and harass me. My next step is a lawsuit for the harassment and they need to stop now. Because I won't. I care about my credit and I refuse for any lie to be on there at all. Enough is enough. I never owed them and never will. They unenrolled me in school XX/XX/XXXX after last class online without permission, ( I did not find out from till XX/XX/XXXX, when I went into my Department of Education Account, before they sent this to collections after manipulating me on phone to pay part, half or all to come back as a student. 

I have reported to XXXX, now Consumer Finance and next FTC and Williams & Fudge Collection Agency to resolve this. 

I have attached all the other CF reports I submitted. Along with the {$0.00} balance that I owe XXXX and the court news about the trial that they were involved with the list they was on with DOE to stop funding for being inappropriate and misappropriation of funding. XXXX lost and they continue to harass us students because they can not make anymore money from the D.O.E I have proven my case over and over. The collection agencies needs to be aware of the fradulant companies they are sending over collections for. I have great credit and I will not allow this to continue. I will report to all business ' that handle these situations daily till this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I had an account at Fifth Third bank for several years. In the beginning of XXXX, I began using the account more regularly, as such I increased my minimum daily balance to {$10000.00} and the account has never had less than {$10000.00} in it. After making a deposit, the teller decided to accus e me of depositing fake money orders that were obtained from the US Postal Service. I was the purchaser and as such I was listed as both the pay to and pay from on the money order. I received a call on XX/XX/XXXX from the fraud department asking for more information, which was all very self explanatory but I answered nonetheless. The bank then requested info to verify the funds, which was completely unncessary, but I provideded nonetheless. 

On XX/XX/XXXX, I visited the branch in XXXX XXXX, IL where I met with the branch manager and together called the fraud dept. We were told the account was set for closure and would be closed in 35 days, and I was told that my money would not be returned to me and would be sent to a holding account forever. 

I visited the branch where the teller violated federal banking regulations and made false accusations and I simply asked them, if someone brought a fake {$100.00} bill, would you take it? As expected they replied " no, not if it was fake '' so I asked them why they accepted $ XXXX of money orders which are a certified financial instrument and the activity was consistent with all my past acitivity and there was never any issues with anything bouncing or overdrafts. The telller lied and inaccurately filled out suspicious activity reports ( SARs ), because the teller told me " you just got these today? '' to that I replied " yes '', again, it has the date listed on them. The teller then said because they were " obtained today '' they had to be fake. She filed the SAR and other reports resulting in the account closure. 

I spoke with the branch manager where the deposit was made, XXXX XXXX, XXXX and he agreed his teller, XXXX, XXXX XXXX made a mistake. He has not provided any meaningful update and I want my money as it has now been held longer than federal banking regulations allow for. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus last XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX Balance : {$600.00} ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$0.00}.

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 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
American Express is reporting incorrectly on my consumer report. Per FDCPA its your responsibility to make sure all information you report is correct. These two accounts are in direct violation and so is the consumer reporting agency. I received a 1099C Cancellation of debt on both of these accounts and per the IRS publication it is now considered income and income isn't reported on the consumer report. You will find the attached forms.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
After pulling my consumer report on XX/XX/2023, I filed a dispute with Dep of Education Loan ServicesXXXX XXXX also the three major credit bureaus XXXX XXXX Equifax XXXX and XXXX XXXX I disputed 8 accounts that were furnished onto my consumer report by XXXX Dep of Education Loan Services that were reporting age was over 7-10 years. Lawfully XXXX should have removed these accounts from my consumer report as they were delinquent. On XX/XX/2023 XXXX sent me their Investigation Results also Equifax dispalyed the results same as XXXX after the Investigation. The Invesigation reults from the disputed accounts were 6 out 8 XXXX  accounts removal/deletion from my consumer report. Since then, i have had to send dispute letters to XXXX for continuingthe furnishing of false and lawfully disputed information. XXXX has made it clear that they do not respect my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
After pulling my consumer report on XX/XX/2023, I filed a dispute with Dep of Education XXXX XXXX XXXX also the three major credit bureaus Experian XXXX XXXX XXXX and XXXX XXXX I disputed 8 accounts that were furnished onto my consumer report by XXXX Dep of Education XXXX Services that were reporting age was over 7-10 years. Lawfully XXXX should have removed these accounts from my consumer report as they were delinquent. On XX/XX/2023 XXXX sent me their Investigation Results also XXXX dispalyed the results same as XXXX after the Investigation. The Invesigation reults from the disputed accounts were 6 out 8 XXXX accounts removal/deletion from my consumer report. Since then, i have had to send dispute letters to XXXX for continuingthe furnishing of false and lawfully disputed information. XXXX has made it clear that they do not respect my consumer rights.

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 2023-09-11 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
this debt was cancelled

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 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
this debt was cancelled

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
this debt was cancelled

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 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XX/XX/2022

Company response to consumer: Closed with non-monetary relief