vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CMI Group, Inc.
State: MI

Complaint narrative:
I previously moved out of an apartment and XXXX was not available at my new address so I cancelled the service. I paid my final bill and returned the equipment. I found out years later looking at my Credit report that they had billed me for not returning the equipment, even though I did, and sent it to collections. I called XXXX to remediate the issue and they said I needed to call Credit Management LP in order to have it removed from my credit report. Upon talking to Credit Management I was told the easiest way was to pay the balance as it was only {$68.00} and they would remove it from my credit report. While I had returned the equipment I agreed to pay because the {$68.00} wasn't worth the headache as I am trying to purchase a home and this is affecting my rates. The account has now been closed, nut they have not removed it from my credit report. I have outstanding credit outside of this and it is greatly effecting my credit score and rates for something that was a mistake on XXXXXXXX XXXX part that I attempted to remediate and paid for even though I should not have needed to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received this text message : <BANK0fAMERlCA> We've put hold on your online access. For unhold, verify your identity here https : XXXX to get back your aceess. 

From this phone number: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 2022-09-14 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: GA

Complaint narrative:
Pursuant to 15 USC 1681c ( 4 ), accounts charged to profit and loss which antedate the report by more than seven year shall be excluded from my consumer report. I entered into this consumer credit transaction and credited you all with my credit card, there's no way of knowing how long this report has been in existence ; I have been around way before this account was charged off. This account shall be deleted immediately. 

XXXX XXXX  This account being on my report is an invasion of my privacy as the consumer. You were not present and have no firsthand knowledge of what took place. You have been unfair and partial as it relates to my information. You are currently in violation of your grave responsibilities. 

In additional to the facts stated above, any approval or specific extension of credit directly or indirectly by the issuer of a credit card shall be excluded from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-14 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
HELLO MY NAME IS XXXX XXXX XXXX XXXX XXXX, I AM MAKING THIS COMPLAINT BECAUSE IN MY CHEX SISTEM REPORT IT APPEARS THAT I HAD A CHECKING AND SAVINGS ACCOUNT WITH MULTIPLE BANKS. BUT I DON'T RECOGNIZE THOSE ACCOUNTS OR THE BANKS, SOMEONE ELSE STOLE MY ID AND PERSONAL INFORMATION TO OPEN ACCOUNTS FRAUDULENTLY, I MADE AN IDENTITY THEFT REPORT TO SEND IT TO YOU AS PROOF THAT I AM A VICTIM OF IDENTITY THEFT PLEASE DELETE THESE ACCOUNTS OF MY REPORT, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I NEVER HAD AN ACCOUNT WITH THESE BANKS..

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 2022-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: SC

Complaint narrative:
Important fact : I am not the note holder on the bank note in question. 
I am a property owner listed on the deed of trust to a property Selene Finance is pursuing foreclosure on. 
Last payment paid to Selene Finance was XX/XX/XXXX. 
Bank note holder filed bankruptcy and it has been XXXX XXXX Relationship to bank note holder : x-wife. 
Refinanced XX/XX/XXXX new deed, x-husband tool bank note in his name as per divorce, mine remained on deed of trust as he owed me {$50000.00} in equity. 
New deed paperwork was signed at my home in a different state and is noted on the deed. 

I received a call from a realtor on XXXX XXXX inquiring why we were letting the home go to foreclosure? 
I had absolutely no knowledge. Selene Finance or the XXXX XXXX XXXX and XXXX made absolutely no attempt to notify me the property was at risk or being foreclosed on. Spoke with XXXX and XXXX on XX/XX/XXXX who confirmed my name and present address was in the file however all correspondence was being sent to the vacant property being foreclosed on. 

Quick claim deed executed on XX/XX/XXXX and recorded on XX/XX/XXXX deeding the home solely to me. 
Home listed on the market XX/XX/XXXX. 
Contracted to sell on XX/XX/XXXX with a settlement date of XX/XX/XXXX I have tried repeatedly to speak to Selene Finance. I have provided the new deed as asked by Selene Finance rep XXXX on XXXX XXXX so they could add me as succession. They refuse to add me. 
I have spoke to XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX who have become increasingly hostile. 
I am trying to ask for the excessive amount of fines, fees and charges be removed as they failed to contact all property owners of default.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I applied for a mortgage through XXXX and they repeatedly ran hard inquiries via Equifax Mortgage. The Hard Inquiry on XX/XX/XXXX should be the only date recorded. The dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX should all be removed from my report and my husbands. We both received alerts for the dates the Hard Inquiries were requested and we reached out to the loan officer and questioned what was going on. He stated that they were soft inquiries and would not affect our credit worthiness. We recently requested a credit increase on one our credit cards but was denied due to too many hard inquiries. The credit reports we received indicate Hard Inquiries not soft and this error or oversight has had a negative effect on our credit. We both have scores in the low XXXX and the reason for the credit increase denial on our credit card is too many Hard Inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX and XXXX are 2 accounts that are negative and not opened by me. The credit reporting agency, XXXX and Transunion, both stated it was verified. I submitted a letter requesting that the verification be done again and not by computer verification. This letter was received by them on XX/XX/XXXX. They did not respond and now when calling they do not acknowledge receipt and refuse to remove those 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 non-monetary relief
Consumer complaint received 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2022, the consumer sent a dispute letter to Experian to validate accounts on credit report. According to their results report number XXXX there are accounts that have been verified and updated as such. Consumer has expressed to Experian multiple times in accordance with 15 USC 1681a ( 2 ) ( A ) ( i ) a consumer credit report does not include a report containing information solely as to transactions or experiences between the consumer and the person making the report. However, Experian is only authorized to collect, use, sell and or share consumers personal data and financial information relating to consumer in accordance with the direct and written instructions from consumer prior to any use of consumer personal and financial information. This is not the first time the consumer has written to Experian asking who gave them consent to furnish any information. According to 15 USC 1681b ( a ) ( 2 ), the consumer has not under the following circumstances and no other provided the written instructions of which it relates. The consumer is aware that an elaborate mechanism has been developed for investigating and evaluation the credit worthiness, credit standing, credit capacity, character and general reputation of consumer which in this case is causing consumer to lose equity. Experian and with their unfair credit reporting methods are undermining my confidence in the banking system. It is Experian due diligence to exercise their grave responsibility with fairness, impartiality and a respect for the consumer 's right to privacy. Experian is insolent and has disregarded the consumer. Consumer has given Experian written instructions multiple times to update these allegedly accounts to paid in full and no derogatory marks as debt was cancelled and is now considered taxable income. As no income shall not be reported on a consumer report and credit respectively. The accounts that are to be updated are 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 2022-09-14 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-09-14 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-09-14 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXXr PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XX/XX/2022 - I submitted two disputes via mail/letter regarding two XXXX accounts that continue to show on my credit reports as late payments. 

XX/XX/2022 - dispute results were returned to me unchanged as its appears Experian took no action! 

XX/XX/2022 during a phone call with a XXXX representative, XXXX confirmed there should be no late payments showing on my credit report as I am up to date on all payments and also confirmed that one of two of my accounts is paid in full and closed. XXXX to send a letter to me for my files. 

Report 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 2022-09-14 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/22 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days given a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: TN

Complaint narrative:
NCB ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) has been fraudulently reporting on my personal credit. This account has been addressed with NCB and XXXX under the fraud they have committed against consumers. I have sent certified mail return receipt and still its reporting. This debt with XXXX is FRAUD and they sold it to NCB after they claimed it was resolved. I am so tired and frustrated from these antics. How do they get away with violating a consumer. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX with a account number XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I have sent debt validation letters to the collection agency and credit bureaus whos reporting this debt on my file on XX/XX/XXXX. I have heard nothing back from nobody why? Because I didnt open any XXXX  account with XXXX in XXXX as stated on my report. So their validation from XXXX  that they reported would be inaccurate. The debt states {$2100.00} opened XX/XX/XXXX I demand this account be blocked and deleted from my reports for falsifying dates and violating my rights to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
This is my official Notice of Dispute. I am a federally protected consumer and I am concerned that this account may be a direct violation of my rights to privacy by violating the fair credit reporting act, XXXX XXXX XXXX XXXX. According to 15 usc 1681a ( d ) ( 2 ) ( A ) ( i ) information relating to transactions and experiences are excluded from consumer reports, according to 15 usc 1681s-3 ( a ) ( 1 ) ( B ) consumers should be allowed to prohibit solicitation in regards to marketing and the sharing of such information. I, the consumer have never received an option to Bridgecrest and its affiliates solicitations and never gave any direct consent to solicit any consumer reports.

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 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc.
State: MI

Complaint narrative:
Requested original charge off date in XX/XX/2022. Original charge off date needed.

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