vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-30 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: FL

Complaint narrative:
I am writing to file a formal complaint against XXXX regarding their negligence in updating my credit report to remove an account with XXXX that shows as closed due to XXXX  XXXX bankruptcy, when in fact the bankruptcy was denied by the court. Despite my numerous requests for removal, XXXX has not taken any action to update my credit report and this has caused significant harm to my financial standing. 

I have made several attempts to dispute this erroneous information with XXXX. I have uploaded supporting documents through their dispute center, sent certified mail, and contacted their customer service department multiple times, but the issue has not been resolved. The bankruptcy was denied by the court, and there is no record of it in the public record. However, XXXX continues to report the account with XXXX as closed due to bankruptcy, which is causing significant harm to my credit score and financial standing. 

I demand that XXXX immediately update my credit report to remove the account with XXXX that shows as closed due to XXXX  XXXX bankruptcy. I also request that XXXX compensate me for any damages that I have suffered as a result of their negligence. 

Their failure to update my credit report has caused me significant financial harm, and I believe that XXXX should be held accountable for their negligence. 

Thank you for your attention to this matter, and I look forward to a prompt resolution.

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 2023-04-30 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: LEXISNEXIS
State: WI

Complaint narrative:
Lexis nexis claims it gets information from XXXX however they supply information to the three bureaus. 

I want the information related to my student loans be removed from the national lexis nexis credit file department of education XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-30 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: OH

Complaint narrative:
please see police report. ONLY NAMES SHOULD BE ON MY CREDIT REPORT IS
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. PLEASE ALL CREDIT BUREAUS TO SHOW THESE NAMES ONLY

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 2023-04-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Real Time Group, Inc.
State: MD

Complaint narrative:
In XXXX, we were approached by a company led by XXXX XXXX out of XXXX GA, advertising 1 % mortgage loans. We had just purchased our property in XXXX using both incomes. At the time of the claim to provide a 1 % mortgage, my wife was unemployed so the reduction in the interest rate was attractive to me. The company refinanced the loan with my income giving us two mortgages. The payments were made but we got behind on our other debts trying to keep up with the mortgage payments. In XXXX, we filed for bankruptcy under chapter XXXX. The bankruptcy filed a motion to avoid the second XXXX. The bankruptcy was dismissed in XXXX and we did not hear anything from Bank XXXX XXXX on the XXXX XXXX. We were able to modify our XXXX loan which was sold to XXXX and was able to get back on track. On XX/XX/XXXX, we received a notice of intent to foreclose from XXXX Mortgage XXXX. We have not received or hear from XXXX Mortgage since the loan was closed in XXXX. The loan was serviced by Bank XXXX XXXX which we were under the impression that it was sold to XXXX We have not received anything from XXXX since filling the bankruptcy. I am filing this complaint because I believe that the loan was made under fraudulent pretenses, we were taken advantage of by placing us into a loan that should not have been approved based on the one income. Additionally, with the motion to avoid the XXXX, there was no communication that this had changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 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: MS

Complaint narrative:
My name is XXXX XXXX and I am a consumer/natural woman submitting this complaint on thebehalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. 
I demand that the following accounts listed on attached document be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
My name is XXXX XXXX and I am a consumer/natural woman submitting this complaint on thebehalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. 
I demand that the following accounts listed on attached document be removed 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 2023-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I want Wells Fargo to refer to my Account ending in XXXX, citing in CFPB Case Number : XXXX ; Case Number : XXXX, which was responded by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Complaints Management Office on XX/XX/XXXX for cashing my Check. ( See, Attachment, XXXX XXXX. ) Because, the Company 's Response to this Cause in Case Number : XXXX by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ( see, Attachments, ENCLOSURE.pdf and final_responseIbeabuc... ) did not address why the Banking Practice which required to transfer my Accounts to the Nevada State Treasury was neglected in XX/XX/XXXX at Foreclosure. In that, my Account Address was changed in XX/XX/XXXX to Nevada Department of Corrections, at the instruction of the Bank 's Branch Manager in XXXX Oregon, in XXXX XXXX XXXX. Accordingly, an obvious in fraudem legis exist in the Discharge Check of {$47.00} issued to me on XX/XX/XXXX by Wells Fargo, ( see, Attachment, XXXX ) when there were unambiguous Uniform Commercial Code 's Tender of {$500.00} Reference # : XXXX XXXX  by the Bank on XX/XX/XXXX to my Inmate Trust Account # : XXXX, ( citing XXXX  Document # : XXXX which was a XXXX  Obligation to pay and credit all of the Disposition of Bonds of Damages assigned to me for ( XXXX  XXXX ) from Wells Fargo 's purchase by XXXX XXXX  XXXX  through XXXX, at-law.

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 2023-04-30 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: LA

Complaint narrative:
The Credit bureaus stated my account was properly investigation but how is that possible if the open dates are inaccurate, the dates last active are inaccurate, and dates last reported is not accurate. This is ground for removal they also violated my rights under 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.

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debts, nor therefore any such debts, in fact therefore exists.

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 2023-04-30 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: LA

Complaint narrative:
The Credit bureaus stated my account was properly investigation but how is that possible if the open dates are inaccurate, the dates last active are inaccurate, and dates last reported is not accurate. This is ground for removal they also violated my rights under 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.

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debts, nor therefore any such debts, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA

Complaint narrative:
PennyMac Loan Services LLC hired XXXX XXXX XXXX XXXX to act as their Attorney to attempt to threaten and XXXX me into compliance. XXXX XXXX XXXX XXXX. issued out a letter dated XX/XX/2023 which states " XXXX XXXX XXXX XXXX. is a debt collector. We are trying to collect a mortgage debt held by PENNYMAC LOAN SERVICES LLC ''. Under the heading How you can dispute the debt? it has two separate responding point " call or write to us by XX/XX/2023 to dispute all or part of the debt. If you do not we will assume that our information is correct. '' " If you write to us by XX/XX/XXXX XXXX, we must stop collection on any amount you dispute until we send you verification of the debt. '' Under the heading " What else can you do? '' " Write to ask for the name and address of the original creditor, if different from the current creditor. If you write by XX/XX/2023, we must stop collection until we send you that information. '' I responded back via certified mail on XX/XX/2023 they received the mail on XX/XX/2023 at XXXX. They never responded even with being given the 10 day response time window I again responded via certified mail dated XX/XX/2023 verifying that I did respond I a timely manner and did not receive any response therefore the matter must be closed due to their default. They received that document via CERTIFIED mail. Again XXXX XXXX XXXX XXXX. never responded. On XX/XX/2023 XXXX XXXX XXXX XXXX. illegally and falsely filed a Civil Action for Foreclosure proceedings. They never sent responded or even acknowledged any of the documentation sent, and they never sent out any proof as they said they would if my response was sent in a timely manner. This illegal action has caused major hardship and has disrupted my family. It has destroyed my credit and made if impossible for me to function.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
My name is XXXX XXXX and I am a consumer/natural woman submitting this complaint on thebehalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. 
I demand that the following accounts listed on attached document be removed 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 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired XXXX, TransUnion, and XXXX who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached ( XXXX XXXX XXXX XXXX XXXX XXXX show 30 days late payment on XXXX & XXXX payment is inaccurate ) ( date last active ) reporting differently on each bureau ( TransUnion XXXX ), ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX show 30 days late payment on XXXX. Payment inaccurate ), ( date last active ) reporting differently on each bureau ( TransUnion XXXX  ) ( XXXX XXXX XXXX XXXX XXXX ) ( account need to delete the company couldnt verify my information, high balance need updated ) reporting differently on each bureau ( TransUnion XXXX ) ( XXXX XXXX XXXX XXXX XXXX ) ( accounts need to remove deleted & updates the company couldnt verify my information ) reporting differently on each bureau ( TransUnion XXXX  XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) ( show 30 days late payment on XXXX Payment is inaccurate ) ( date last active ) ( reporting differently on each bureau ( TransUnion XX/XX/ ) ( XXXX XXXX XXXX XXXX XXXX # XXXX ) Show 90 days late payment on XXXX XXXX XXXX. payment is inaccurate please update ) reporting differently on each bureau ( TransUnion XXXX ) ( XXXX XXXX XXXX XXXX XXXXXXXX ) Show 60 days late payment on XXXX & XXXX. Payment is inaccurate please update ) reporting differently on each bureau ( TransUnion XXXX ) ( XXXX XXXX XXXX XXXX # XXXX ) reporting differently on each bureau ( TransUnion XXXX ) ( TXXXX XXXX XXXX XXXX XXXX XXXX ) reporting differently on each bureau ( TransUnion XXXX ) Regular inquiries ( XXXX XXXX XXXX XXXX ) XXXX ( XXXX XXXX ) XXXX ( XXXX XXXX XXXX ) XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX XXXX  ) XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX ) XXXX & XXXX ( XXXX XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX This is making me lose confidence in the banking system due to these violations. I the consumer does not grant XXXX, TransUnion, or XXXX the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act convergent XXXX, XXXX, and TransUnion has violated my rights. XXXX5 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-04-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Safe rent has sent me a report of my consumer credit report which shows inaccurate residential addresses on my credit profile that has already been addressed and resolved with the major credit bureaus. Safe rent credit profile has pulled residential information from equifax that is not correct/accurate that should not be listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 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: OH

Complaint narrative:
please see police report. ONLY NAMES SHOULD BE ON MY CREDIT REPORT IS
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. PLEASE ALL CREDIT BUREAUS TO SHOW THESE NAMES ONLY

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 2023-04-30 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: Mercedes Benz Financial Services
State: MO

Complaint narrative:
These Financial Institutions has denied my right after numerous correspondence. I'm not asking them to remove my personal information from consumer reporting agency. I'm simply exercising my rights under federal law pursuant 15 USC 6802 ( b ). They have failed to provide me with Truth in Lending Disclosures & Gramm-Leach Bliley ACT . There excuses are a Retail Installment Contract that does not include the Opt-Out Disclosures, nor does it waive my rights as a consumer. 

I'd explained & pointed out the factual evidence of this federal law numerous warnings & they're still incompetent to comprehend my consumer rights. My financial personal information is unsafe & not properly safe guarded. An Installment contract does not waive my rights under federal law. 15 USC 6802 is a federal law that financial institutions must follow.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) OPT-OUT 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
XXXX XXXX XXXX Last reported XXXX XXXX, XXXX {$830.00} Open balance 08 BARCLAYS BANK DELAWARE Original creditor XXXX  Opened XX/XX/XXXX ( 4 yrs, 10 mos ) I have never opened an account with Barclays bank. This account was opened fraudulently and is causing hardship on my life.

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 2023-04-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Statebridge Company
State: SC

Complaint narrative:
I secured a loan for approximately $ XXXX from XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, SC XXXX The credit union closed and State Bridge located in Colorado took over management of the loan. Since Statebridge took over management of the loan, they have consistently mismanaged payments and accused me of being past due. Money orders were sent and they would indicate that the money orders were not received. When I checked to determine if the money orders cleared, clearance occurred. I sent them correspondence with every money order and the amount. The correspondence was acknowledged, but no response. At this point, I am unable to speak with a manager and have called multiple times to have a conversation. I believe I should be done with paying the loan. However, their records are inaccurate and the are unwilling to communicate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
Attempting to collect money I do not owe them tried to reason with them to stop ruining my credit in which they have I've never had any dealings with lvnv funding at all they are trying to collect on accounts that have been closed for years they won't stop there tactics the accounts they are trying to collect on was written off by the original creditor I've spoken with so it's illegal what they are doing I want them to get there information off of my credit reports and delete the negative info

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PayPal is holding onto my money, and they said 6 month Max. It's been since XXXX. They keep ignoring my questions about when to expect my money. 

I need an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 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: LEXISNEXIS
State: MS

Complaint narrative:
My name is XXXX XXXX and I am a consumer/natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 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:
HOW CAN THE ACCOUNT BE VERIFIED WITH EXPERIAN, IF THE FURNISHER HAS STATED IT WAS DELETED?! EXPERIAN HAS VIOLATED SO MANY LAWS WITH THEIR WILLFUL NEGLIGENCE AND NON-COMPLIANCE! I DEMAND YOU DELETE THESE INACCURATE ACCOUNTS 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