vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There are a few collection accounts in my consumer reports that I was NOT aware of and I had sent a dispute to the consumer reporting agencies to get this information removed from my consumer report. It has been 2 months since I have sent them the notice and I have not received a response which makes me question if they are even doing their job. The accounts goes as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I will also be submitting a complaint with the cfpb against those collection agencies as they did not follow the procedures of the Fair Debt Collection Practices Act.

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 2024-05-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
I am five payments away from paying my XXXX XXXX XXXX off. I lost my secondary employment, so things have been tight, and I have been late. I did seek help from Ally Auto, and they told me that they couldn't help me. Well, I have been paying the best way I can. So now I owe for XXXX and XXXX and my next payment is not due until XXXX XXXX XXXX  Well first on Friday I tried to gain access to my account, they have it blocked, I called and spoke with 2 people and then was passed off. This is the second time that I have been locked out of my account and not allowed to go in to pay something or see what is owed. I have no idea, what they are doing. I don't know what they are doing and at this point I don't know why I'm constantly being locked out. Then today I received mail, a certified letter saying that on the XXXX they will repossess my vehicle. I don't get paid until the XXXX XXXX XXXX and I won't be 3 months behind until XX/XX/XXXX. I have had issues with this company since I got this vehicle and now that I'm almost done and facing financial hardship, I believe I'm being harassed and not giving a chance to get things in order. Then I'm having issues when talking with someone, I have been transferred around and hung up on. I have issues with Ally financial auto when it comes to reporting, they report to my credit very quickly when late, but when I'm on time they barely report to the credit bureau, I have to call and force it.

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 2024-05-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: TX

Complaint narrative:
There are still {$500.00} in payments that are missing on these dates. 
where did these two payments go? I have sent the bank statements to all parties involved. XX/XX/scrub>XXXX XXXX XXXX DEPT EDUCATION STUDENT LN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT EDUCATION STUDENT LN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX are all fraudulent accounts

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 2024-05-11 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX are all fraudulent accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are all fraudulent accounts

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 2024-05-11 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: MA

Complaint narrative:
I am submitting this request to address the issue of identity theft. Certain records in my credit file do not pertain to me and were initiated without my consent or knowledge. Therefore, I am disputing these specific accounts and request their removal from my credit file. They are inaccurate and were established without my authorization or involvement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 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: VA

Complaint narrative:
This account was charged off on the following date ( XX/XX/2020 ). Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT INCLUDE AN ACTIVE PAYMENT HISTORY. This inaccurate information falsely manipulates the statute of limitations. This account should be investigated properly and deleted for the negligence and violation of my rights. I am demanding a deletion of the following account : 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 2024-05-11 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: VA

Complaint narrative:
This account was charged off on the following date ( XX/XX/year> ). Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT INCLUDE AN ACTIVE PAYMENT HISTORY. This inaccurate information falsely manipulates the statute of limitations. This account should be investigated properly and deleted for the negligence and violation of my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
THIS WAS FRAUD. NOT MY ACCOUNT. I HAVE GREAT CREDIT AND I PAY ALL MY BILLS ON TIME. I HAVE CALLED AND CALLED THE COMPANY AND NOTHING IS RESOLVED SO NOW I AM DEALING WITH YOUR AGENCY IN HOPES OF HELPING ME. DUE TO LAW 15 U.S.C 1681 THIS IS NOT LAWFUL AND I NEED ALL FRAUDULENT ACCOUNTS TO BE REMOVED IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 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: TX

Complaint narrative:
After investigation was completed by TransUnion back on XX/XX/2024, the information that I was reporting Fraudulent on my credit report still has not been updated or removed despite the FTC Report and a Police Report. TransUnion continues to report information that has not been verified by the creditor as 100 % accurate or remove this information that was opened fraudulently. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX requested a description of the reinvestigation and they do not provide it to me which is a violation of 15 USC 1681i7.

They also violated 15 USC 1681i ( 5 ).

Can you please look into this matter?

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 2024-05-11 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: TX

Complaint narrative:
After investigation was completed by TransUnion back on XX/XX/2024, the information that I was reporting Fraudulent on my credit report still has not been updated or removed despite the FTC Report and a Police Report. TransUnion continues to report information that has not been verified by the creditor as 100 % accurate or remove this information that was opened fraudulently. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 requested a description of the reinvestigation and they do not provide it to me which is a violation of 15 USC 1681i7.

They also violated 15 USC 1681i ( 5 ).

Can you please look into this matter?

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 2024-05-11 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:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
loan appraisal was grossly under assessed due to red lining an the appraisal dispute was not granted as well as the charge of {$4100.00} that was paid to the finance company. 
comparable appraisal were submitted, but was not accepted that indicated the appraisal was not legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Sent letters to the 3 credit bureau and ally financial stating that they were reporting inaccurate information on my credit report. I also uploaded a letter showing that I paid off my vehicle and the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 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: PA

Complaint narrative:
XXXX, XXXX, and Transunion are reporting my consumer reports improperly as they CAN NOT continue to report an account as " charge off '' each month AFTER the account had been close. The consumer report should state the account is closed and each month after it must be reported as " no data ''. However because they are reporting it as charged off each month, which is inaccurate, it is hurting my ability to get an extension of credit. I demand that they delete this inaccurate information from my consumer 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 non-monetary relief
Consumer complaint received 2024-05-11 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: PA

Complaint narrative:
Experian, XXXX, and XXXX are reporting my consumer reports improperly as they CAN NOT continue to report an account as " charge off '' each month AFTER the account had been close. The consumer report should state the account is closed and each month after it must be reported as " no data ''. However because they are reporting it as charged off each month, which is inaccurate, it is hurting my ability to get an extension of credit. I demand that they delete this inaccurate information from my consumer 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 2024-05-12 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: TX

Complaint narrative:
To Whom It May Concern, I XXXX XXXX XXXX am writing to file a formal complaint regarding a violation of the Fair Credit Reporting Act ( FCRA ) by XXXX XXXXXXXX XXXX Pursuant to 15 USC 1681, I believe my rights under the FCRA have been violated in the following manner : 1. This charge off collection is reporting inaccurately its reporting CO every month. Thats a violation. This account isnt reporting to all of the 3 credit bureaus just XXXX and Experian thats a violation. 

2. This charge off account is reporting inaccurately on EXPERIAN stating the account is charged off, written off, & past due. Which is a violation. Since the account is closed. The status hasnt updated since XX/XX/year> thats another violation. 

This violation has resulted in significant harm to my financial well-being and has adversely affected my ability to obtaining good credit, securing a house. 

I have attempted to resolve this matter directly with XXXX XXXX XXXX but my efforts have been unsuccessful. Therefore, I am seeking assistance from the Consumer Financial Protection Bureau to investigate this issue and take appropriate action to rectify the violation. I respectfully request that the Consumer Financial Protection Bureau investigate this matter promptly and take any necessary enforcement actions to ensure compliance with the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 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: TX

Complaint narrative:
After investigation was completed by XXXX back on XX/XX/XXXX, the information that I was reporting Fraudulent on my credit report still has not been updated or removed despite the FTC Report and a Police Report. XXXX continues to report information that has not been verified by the creditor as 100 % accurate or remove this information that was opened fraudulently. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I requested a description of the reinvestigation and they do not provide it to me which is a violation of 15 USC 1681i7.

They also violated 15 USC 1681i ( 5 ). 

Can you please look into this matter?

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 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/2024 To whom it may concern @ the CFPB : I am writing to bring to your attention unauthorized inquiries that have been made in my credit report. The creditors, who did not have a permissible purpose to access my consumer report, made the inquiries. 
15 U.S. Code 1681b governs how a third party can access my consumer report. They did not have permission or a reasonable business need. 
According to the Fair Credit Reporting Act, creditors are only allowed to pull a consumers credit report with their permission or if there is a legitimate business need. It has come to my attention that several creditors have pulled my credit report without my consent or any valid reason. 
I am requesting that these unauthorized inquiries be removed from my credit report immediately. I have attached a list of the creditors and the date of the inquiries for your reference. I trust that you will investigate this matter thoroughly and take the necessary steps to rectify the situation. 
Thank you for your prompt attention to this matter. I look forward to hearing back from you soon, regarding the complete removal of these unauthorized inquiries. 


SINCERELY, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: DISCOVER BANK
State: MS

Complaint narrative:
This company has made the application process to the point where information can be easily entered or reentered to fit what the person wants. If a co-signer was needed the person can go back and fix the numbers so that a co-signer isnt needed to obtain the loan. Years later the details of the loan wasnt clear as far as having options to repay the loan. No options were available if the person was in a financial situation to help repay the loan. One of the representatives even asked if I could not pay rent or my car not in order to repay the loan. They have suggested several times that I move in with a family member and car pool to save all of my earns to repay the loan. That is completely unacceptable and unethical for them to say that. My address has changed several times and they have constantly sent my mail to my old address and have blamed me for not going to get my mail when I have told them my address changed and the representative said Id have to go in and change the address myself. The representatives are rude and the things they say are just absurd. My loans have been reported and are not a charge off after 4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 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: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
I suspected identity theft and took action to stop it. My credit report is showing the accounts and they arent mine. REMOVE them please ; delete the accounts from my credit report. The reporting is an error and ( the accounts are not mine ). I dont have a knowledge of them. My entire cred report *is flooded with accounts that arent mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 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: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I suspected identity theft and took action to stop it. My credit report is showing the accounts and they arent mine. REMOVE them please ; delete the accounts from my credit report. The reporting is an error and ( the accounts are not mine ). I dont have a knowledge of them. My entire cred report *is flooded with accounts that arent mine.

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