vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-03 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: FL

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the XXXX-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-03 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: FL

Complaint narrative:
Hello regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-06-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently noticed inaccuracies on my credit reports and also noticed these accounts were also unauthorized due to my info being shared in the Equifax, XXXX, and XXXX Data Breach. These same bureaus verified these accounts without making sure they were accurate. I asked for steps of verification and they failed to send me any updates. These inaccurate accounts are greatly ruining my reputation and I need them removed immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-03 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX XXXXXXXX XXXX XXXX  You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX XXXX & Account # XXXX, has violated several of my rights. 
15 U.S.C 1681 section 602 A. Cloarly states that 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 an account without my written instructions.

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

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CLGF Holdco 1, LLC
State: WA

Complaint narrative:
I have received multiple unsolicited offers and unsubscribed numerous times. Today I received another offer from them and when I clicked on the link to unsubscribe AGAIN, it takes me to a credit card application page and NOWHERE on that page or any other links on that page does it give me the option to unsubscribe. Their offer looks like its at 35 % interest and subscribes you to other services as well, none of which I am interested in and none of which are typical for any other credit card. I used to be a banker with XXXX XXXX  and these tactics are not only grossly misleading, they are grotesque.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX JXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2023-06-03 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
experian is reporting XXXX XXXX XXXXe on my credit report without verifying or investigating information. who are experian working for if they can just put wrong information on people credit when they feel like it. 
XXXX is XXXX XXXX XXXX and exprian reported that they Last Reported : XX/XX/XXXX on this date meaning they investigated to see if was true as well. 

XXXX XXXX sent me a copy of someone record of a car they sold but this doesnt look like me or what i have done. 

XXXX XXXXXXXX is reporting through experian that Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX according to XXXX XXXX their information has another date of last activity. 

XXXX XXXXXXXX says from the attached information they sent through cfpb that the date of last activity was NOT XX/XX/XXXX and was NOT date of last payment XX/XX/XXXX they are re-aging the account and experian has said they verified this but as you see this information is wrong.

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 2023-06-03 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: Blakely-Witt and Associates, Inc.
State: TX

Complaint narrative:
First Blakely Witt and Associates are reporting a collection account on my report. I NEVER received any documents from them before the debt was placed on my report. In addition the debt was reporting at an absurd amount of {$20000.00}. XXXX. I started requesting info regarding the debt from the bureaus which was unsuccessful. I was told the debt was verified. Which I knew that was not correct. I never did anything to receive a debt from an apt for that amount. After disputing through them an asking for validation. The debt was significantly dropped to {$6400.00}. However they keep failing to provide documents on how this amount was calculated. They should not be allowed to keep reporting inaccurate info on my report without providing proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
I took out a debt consolidation loan at my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) on Saturday, XX/XX/. A check from my credit union for the amount of {$9500.00} along with a copy of my Barclay 's bill attached to it was mailed to Barclays on Monday, XX/XX/. The check cleared my credit union 's account on XX/XX/. 

When time had passed and I had not heard back from Barclay 's regarding subtracting the money off my balance, I contacted Barclay 's and they began an " investigation '' into the lost check. I was told they needed a copy of the check, so I made an appointment with my XXXX XXXX and sat down and called Barclay 's with the loan officer present. The loan officer sent everything asked for. 

I think I received an email asking for the same info my XXXX XXXX had already sent, so I disregarded it, assuming it was in error. On XX/XX/, Barclay 's added the provisional credit they had given me back onto my balance. I received an email that said I owed them a $ XXXX payment, so I called immediately. 

I spoke with XXXX XXXX did not get number ), and then her manager, XXXX ( XXXX ). They basically told me it was put back on my account because I did not follow through with sending them the front and back of the check copy. So I have to make an appointment with my XXXX XXXX again to get this taken care of yet again. ( My credit union loan officer said they have had issues with Barclays before exactly like this. ) Here 's what I think is going on : Barclays has had close to {$10000.00} from my XXXX XXXX since XX/XX/. They have been earning interest on this from whatever account that money was put into ( certainly not my account... but a general pot. ) So is this is a scheme to make money off interest while sticking their customers and giving them the run around? I don't know, but I know it can not be that hard to track a {$9500.00} check when given a certain string of dates along with the routing n umber it came from and the check number. 

I may never get all this interest they've placed on me back either.

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 2023-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
For past years, Bank of America - Bank has charged a " Check Image fee ''. It seemed to be only kicking in once a year. I would call in and they would refund the fee and promise that they would fix it. It usually was just a once a year issue, but now it is EVERY MONTH issue ( Even after calling in every month to have it removed ). 

In XXXX, XXXX, XXXX, XXXX and XXXX- it kept happening. I would call in and they would fix the problem and refund the fees. 

In XXXX, I reached out to the CEOs office about this- with some investigation I was ASSURED IT WOULD NEVER HAPPEN AGAIN! There was a full depth analysis of this from that office. 

Well on XX/XX/XXXX - It happened again. I was assured in XX/XX/XXXX ( Don't have exact dates on conversation ), but they refunded me. 

I tried calling the bank tonight ( the male rep at XXXX disconnected the call ). I called back and I accidently hung up on the rep. 

I never authorized for this check image fee to be on my statement. We went through the settings in my profile and on the website. The fee is only {$3.00} per month, but still! 

The bank needs to take corrective action on making sure that I am not getting charged for this fee. For me to keep calling into the bank costs TIME = $ $ $ as a small business. This is about the 10th call in attempting for this to be fixed.

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 2023-06-03 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: Bridgecrest Acceptance Corporation
State: NV

Complaint narrative:
Greetings. 

I addressed the consumer protection laws and expressed the U..S.CODES that violates my consumer 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

You Bridgecrst are knowingly violating my consumer rights and these late payments ( I made payment arrangements for and was assured would not report to my consumer report ), shows lack of integrity on your part. Your response does not address the consumer laws I have sited. 
Additionally I have learned that down payments are actually illegal and premium insurance should have been added to my purchase by you at the time of my purchase. 
If you do not delete the late payments immediately, I will be forced to seek remedy for all the violations and damages your reporting has cause me- the consumer. 
Regards, 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 2023-06-03 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: FL

Complaint narrative:
Hello regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX and 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 2023-06-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Exeter Finance, LLC.
State: AL

Complaint narrative:
I recently checked my credit score for the first time. I noticed there was an auto loan that didnt belong to me. It said I signed for a loan for someone else but I never did that
.

Exeter Finance LLC OPENED XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 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: CA

Complaint narrative:
This is my several requests to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. The following accounts are listed below : XXXX XXXX XXXX XXXX Balance : {$3300.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00}, XXXX XXXX XXXXXXXX Balance : {$11000.00}, XXXX XXXX XXXX Balance : {$6000.00}, XXXX XXXX XXXX Balance : {$1400.00}

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 non-monetary relief
Consumer complaint received 2023-06-03 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: CA

Complaint narrative:
This is my several requests to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. The following accounts are listed below : XXXX XXXX XXXX XXXX Balance : {$3300.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00}, XXXX XXXX XXXXXXXX Balance : {$11000.00}, XXXX XXXX XXXX Balance : {$6000.00}, XXXX XXXX XXXX Balance : {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$150.00} ; XXXX XXXXXXXX Balance Owed : {$72.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$130.00} ; ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$0.00} ; ( Original Creditor : XXXX ) XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief