vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-15 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: CA

Complaint narrative:
I rarely use my credit. A few months ago i opened my credit report and saw many accounts that where not mine. I called the creditors directly. A few verified that my social security number didnt match what they have on file. So why is this on my credit. I contacted the bureaus. They asked me to file a police report, which i did. The accounts are still 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 non-monetary relief
Consumer complaint received 2023-05-15 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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:
My name is XXXX XXXX I am a consumer submitting this complaint on the behalf of my self without any influence from any third party being involved. Fraud had been committed, XXXX XXXX XXXX XXXX is using extortionate means to collect on an alleged debt. I do not owe that resulted from extension of credit which violates tittle 18 USC 892-894 and constitutes racketeering actives and extortion.

This is a notice sent as per the Fair Credit Reporting Act ( F.C.R.A ) 15 U.S.C. 1681A ( D ) ( 2 ). This is a request for accounting request raiding list of collateral or statement of account reference to U.C.C 9-210. This authenticated record must include all tax fillings ( including all 1099 's, and 1098 's ) any and all trades and /or investments and /or interests associated with this account of which I am alleged to be a party.

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 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX I am a consumer submitting this complaint on the behalf of my self without any influence from any third party being involved. Fraud had been committed, XXXX XXXX XXXX XXXX is using extortionate means to collect on an alleged debt. I do not owe that resulted from extension of credit which violates tittle 18 USC 892-894 and constitutes racketeering actives and extortion.

This is a notice sent as per the Fair Credit Reporting Act ( F.C.R.A ) 15 U.S.C. 1681A ( D ) ( 2 ). This is a request for accounting request raiding list of collateral or statement of account reference to U.C.C 9-210. This authenticated record must include all tax fillings ( including all 1099 's, and 1098 's ) any and all trades and /or investments and /or interests associated with this account of which I am alleged to be a party.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
What is the complaint about? 
" I am filing a complaint against Experian for failing to properly investigate multiple disputes regarding fraudulent charges on my credit report, which I believe are the result of identity theft. Despite providing substantial evidence, Experian has consistently disregarded my disputes related to specific accounts with XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX '' What type of problem are you having? 
" Experian has not conducted the necessary investigations into my claims nor made the necessary corrections to my credit report. This is a violation of the Fair Credit Reporting Act ( FCRA ) and is highly damaging to my credit score. '' What happened? 
" Over the past several months, I have submitted multiple disputes along with identity theft reports filled with police station to Experian regarding the following accounts : XXXX XXXX XXXX ( Account Number : XXXX ) XXXX XXXX XXXX ( Account Number : XXXX ) XXXX XXXX Co ( Account Number : XXXX ) The disputes include issues with incorrect high balances, identity theft, inaccurate dates of last activity, re-aged accounts, reinsertions without proper notice, undated late payments, charge-offs listed as open, and collection accounts with limits. Despite this, Experian has continuously disregarded my disputes. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AXOS FINANCIAL, INC.
State: FL

Complaint narrative:
WHOM MAY CONCERN My name is XXXX XXXX. I did a personal loan with Axos Bank and during the pandemic I had to stop making payments. On XX/XX/2021 I receive a letter from the lawyer XXXX XXXX XXXX. I did the process with a consolidation company called XXXX they lawyer XXXX XXXX XXXX represented me in court. On XX/XX/XXXX XXXX got into an agreement with the court and they amount of XXXX was withdrawn from my bank account, since then I have been requesting a pay off document for me to be able to do a XXXX and have peace of mind that I do not have anything pending with AXOS BANK. 

I call Axos Bank every month, because they keep sending me the bank statement that shows that I still own them, every time I reached they told me that I still owed the money and that nobody had communicated to them that they have been pay through court. I have sent all the documentation that the lawyer provided, and no solution has been given to me. 
I respectfully ask for your help because this is still affecting my credit and my peace of mind, I am a very hard worker women with XXXX XXXX XXXX and this is affecting me a lot please le me know if there is anything that you can do for me. 
Attached is all the information that I can provide, I really appreciate your time and help. Have a blessed day. 

Attorney XXXX XXXX XXXX ( XXXX ) XXXX ( my lawyer ) Attorney XXXX XXXX XXXX ( XXXX ) XXXX ( Axos Bank Lawyer )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I contacted the credit bureau to perform an investigation of the accuracy of items being reported. 

1 ) accordance with the Fair Credit Reporting act XXXX Account # XXXX portfolio recovery has violated my rights.they are unable to validate the account. 

2 ) accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXXXXXX XXXX XXXX has violated my rights. I paid {$200.00} deposit and they are reporting {$250.00} past due. Where is my deposit 3 ) accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXXXXXX XXXX  has violated my rights.was told to pay account up to date and the late payments will be removed.

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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
Late payment being applied after due dates. 
Bill mailed and received and payment sent out ASAP. 
not applying payment Wafting to applied late payment. 
I have had this card for well over 25 years and never have had any Late payments. 
I have been applied to 2 late payments in last months No help from card company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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: MI

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-15 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: IL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: RFNA, LP
State: AL

Complaint narrative:
Harassing calls. Call started XX/XX/XXXX till present time. XX/XX/2023 they called me XXXX times, on XX/XX/XXXX they called me XXXX times, on XX/XX/XXXX they called me XXXX times, on XX/XX/XXXX they called me XXXX times, on XX/XX/XXXX they called me XXXX times, I made the night they called me XXXX times, XXXX the XXXX XXXX times,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: KY

Complaint narrative:
My mortgage was sold to Amerihome from XXXX. I was never notified of the transfer. Amerihome made harrassing calls to me asking for banking information, ss # and payment although I was not sent any documentation supporting their calls. Every call I verified the mailing address but they never sent me anything. I had made 2 more payment to the originator, which they did not send on. They told me they would rip up checks, but I should have received notification. Amerihome has put a negative mark on my credit, although they are in direct conflict with the law of notifying me 15 days prior. I did not receive any written documentation for 90 days.. After 10 months ( XX/XX/2022, they sent me a letter that was dated XX/XX/2022 ) stating that they had been sending me the letter to the wrong address. Again, the correct address was given to them as well as them having the correct address for the mortgaged property. 
This has had a tremendous negative affect on my credit. I have contacted them numerous times and they have refused to admit fault and remedy the damage they are causing me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times how they violate the Fair Credit 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 dont have any written permission According to 15 USC 1681 I have the 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 information 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 notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on and on The credit bureaus have no respect for the laws. Someone needs to hold them accountable for this. So, please remove this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ARM Professional Services LLC
State: NE

Complaint narrative:
I am writing to bring to your attention a concerning issue regarding false invoices and excessive cleaning fees charged by my landlord. The details of the situation are as follows : Dates : The landlord visited the apartment one week prior to the move-out date, which was [ Date ]. During this visit, he addressed a ceiling leak issue originating from the upper apartment. 

False Invoices : Despite the landlord 's visit, he made no mention of the apartment being dirty or in need of extensive cleaning. However, I have recently received invoices claiming cleaning fees totaling {$1500.00}, which is an exorbitant amount for cleaning services that were not necessary. 

Apartment Condition : I would like to emphasize that the apartment was not left in a dirty or unkempt state upon my departure. I ensured that the apartment was cleaned thoroughly, following standard cleaning practices. The claim of {$1500.00} in cleaning fees is unjustified and lacks any supporting evidence. 

Lack of Disclosure : It is particularly concerning that the landlord failed to disclose any concerns regarding the cleanliness of the apartment during his visit. His failure to communicate any issues at that time further undermines the legitimacy of the cleaning charges. 

I kindly request that you intervene in this matter to investigate the false invoices and excessive cleaning fees imposed by my landlord. I strongly believe that these charges are unsubstantiated and unjust. 

Please consider this correspondence as my formal complaint and request for a fair resolution. I am eager to provide any additional information or documentation necessary to support my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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: FL

Complaint narrative:
This is the 10th time I have complained about Experian not deleting an address that's not mine and I never lived there and they are still not removing it. I will include a screenshot of the information as of today XX/XX/2023. 
Please remove this address from my credit report : XXXX XXXX XXXX XXXX XXXX, FL 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 2023-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
This complaint submission is in regards to a false credit report by ( Midland Credit Management XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX XXXX ). I have made attempts to rectify this matter with them directly as they have now been unresponsive. I spoke with a representative who was both uncooperative and uninformative. The representative was extremely aggressive and stated they will not cooperate in a Debt Validation. The representative continued to deny my request on information regarding the account. I then made another attempt and I was finally provided with the mailing address so I could forward them a Debt Of Validation letter. This Debt Of Validation letter which was sent twice in XXXX of 2023 and XX/XX/2023, was confirmed through CERTIFIED MAIL that the Supervisor had received the files by signature confirmation. At this point it is now XX/XX/2023, and after 30 days of notifying them, neither my Attorney nor I have received any response, or correspondents. I specifically asked for proof of the alleged debt and anything in signature or JUDGEMENT BY LAW stating I was obligated to pay them or falsely report a debt to the three major Credit Bureaus. They failed to return the requested information on the Debt of Validation Letter. I have never made any agreement with them nor the original creditor to pay anything, nor was I properly notified of this false reported debt. I am requesting Midland Credit Management ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to immediately remove me from their systems and update all 3 major Credit Bureaus specifically ( XXXX, XXXX, & XXXX ) on this action. They have failed to follow the guidelines which were all provided to them in the Debt Of Validation letter that supports the Fair Debt Collections Practice Act. In result, Midland Credit Management are violating my rights and are also causing financial hardship with this debt being reported. This false report by Midland Credit Management has prevented me from gaining access to any lenders due to XXXX XXXX on file. At this point they have failed to provide any competent evidence or any legal obligation and ( Midland Credit Management XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX XXXX ) is currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g. If this report is not updated immediately to the 3 major Credit Bureaus, I will be taking legal actions and will immediately file a Civil Suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Hello, My name is XXXX XXXX. Bank of America EDD had closed my account because of " fraudulent activity. '' I contacted XXXX and they verified my identity and resolved other things but Bank of America is still not opening my account. I contacted both XXXX and Bank of America XXXX XXXX over the last few months but neither party was able to help me resolve this problem. My funds are there but I can not access it. When I talk to XXXX about reopening my account, they direct me to Bank of America and when I talk to Bank of America, they either tell me there's nothing they can do and that it's " strange '' that account is still closed or direct me to XXXX. I have been in this loop for months now. I have hour-long phone conversations recorded where both parties fail to resolve this issue of reopening my account and I am ready to take legal action. 


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