vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Contemporary Information Corp
State: TX

Complaint narrative:
Payment was lost by the previous property management company before they switched over. The new company filed an eviction. Payment was reimbursed and reissued. 

My submission to CIC : 1. Proof of payment OVER judgment amount. 
2. I still live here, so I wasn't evicted nor was a writ of possession issued. 
3. Notice of NonSuit. How can BOTH the LANDLORD and JUDGE sign off on a court document, and it STILL not suffice for CIC? 

The actual sealing/dismissal of records per the court can take months. That is why the COURT advised me to submit this paperwork to the screening agency. 

CIC Response : " REGARDING YOUR HOUSING COURT DISPUTE CIC has contacted the furnisher of the information and have completed our reinvestigation of the disputed information. We have determined that the information originally reported is accurate and complete, based on current information provided by the court. Based on current information provided by the court, records show judgment in favor of the plaintiff for case XXXX. 



You will need to contact XXXX JP XXXX COURT TX - Civil Division to petition the court to have the information sealed and/or dismissed. Should you have further questions, you may contact the court directly. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bridgecrest Acceptance Corporation
State: DE

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights! I have the right to privacy! The consumer reporting agency can not furnish an account without my written instructions! A creditor may not treat a payment on an account under an open and consumer plan as late for any purpose! 

XXXX XXXX XXXX XXXX ( car loan ) for the amount of approximately {$690.00} for XX/XX/2023 has reported late on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
Calling daily. Won't provide me with any information about the amount owed. What it was for. They operate under a variety of names. First it was XXXX XXXX or XXXX XXXX XXXX, then XXXX, Genesis FS Card Services ( XXXX, Oregon ). I have called several times asking for someone in authority or their Fraud Department. The operator says no one in the Fraud Dept. wants to speak with me...?? They are very evasive. They want to record the call but when I say OK and I'll record the call on me end. They say they will not converse with me if I record the conversation. 

They want my SS #, my address, DOB, and telephone number to be able to find my account. Of course, I refuse to give them any personal information. So they say without that information they can't find my account...? I know that if they had my name, phone number they could easily find my name in the account base. 

I have outstanding credit. No debt and a FICO score of XXXX. I know this is some sort of scam. I just want it to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Good Day .... Here is my tales of wow with Bank of America .... I set up a wire transfer with Bank Of America 's help to pay off my mortgage XXXX .... then BOA security canceled the transfer because they said I did not contact them in time .... I tried to contact them several times but they BOA never answered the number I was suppose to call then they disconnected my phone call .... tried again and same thing .... stayed on phone for a total of two hours trying to find support then disconnect... Finally got someone to help me today XXXX and sent the wire hope it gets there Monday XXXX when it is due .... But why was the wire originally canceled?? No one at BOA had a clue .... and I was speaking with the Dept. that canceled the wire .... At BOA the left hand does not know what the right hand is doing!! 

Oh by the way here are few other goodies that Bank of American did for me .... 

XX/XX/XXXX BOA declares me deceased and started repossessing my house... .had to show up at a BOA branch to prove I was still alive and my credit score dropped XXXX XXXX .... 

Here is another oldie but goodie .... back either in the late XXXX 's or early XXXX 's BOA somehow misplace {$100000.00} of my parents money .... took them almost a week to recover it .... 

Lost my Dad 's Death Certificate .... closed accounts still with outstanding checks .... the list goes on .... How is this possible?? Obama should have broken up BOA when he had a chance .... And usually there is no one to be able to speak to on the phone ..... If you go into a branch it is usually not a whole lot better .... Mistakes seem to be the order of the day with Bank of America!! Will be leaving BOA as soon as I am able .....

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 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is in my report and it is incorrect I want it removed 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 explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am requesting that all 3 addresses need to be deleted from my consumer report because 1 is a non-existant address and the other 2 now belong to someone else, also it is causing me financial problems. The California XXXX XXXX XXXX sent a demand for an unpaid traffic ticket to a former address obtained from a CRA. When I did not pay it ( because I did not receive it at my current address ). They received a judgment against me and took an excessive payment directly from my bank account without my knowledge. 
My current address is attached to this CFPB complaint and may be updated on my consumer report Please send me a full complete copy of my consumer FILE

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 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: MO

Complaint narrative:
Submitted complaint on or about XX/XX/23 it has been over 30 days and I have not received a written validation/ contract containing my wet ink signature ( Failure to transmit statement 1637 ( b ). XXXX XXXX and Caine and weiner are in violation. Both entities are in Default and Dishonor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Previous options did not best describe scenario. 

I have received 3 letters from XXXX  XXXX inviting me to speak to them about hardship due to Pandemic. When I call, I am not allowed to speak to them, I am transferred back to debt collection and say im not allowed to speak to any other department. 

Authenticity of the letter was challenged and I was told to scan and send document, which I did. They have not responded. 

I am willfully being denied my consumer right to speak to any department at American Express, on more than 2 occasions. This is against FCRA rules. 

By the way, American Express raised my credit limit twice without my consent. this was a contributing factor to my situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have asked the credit bureaus to do a Theral review of my credit records, they did. but when I review myself, I found a lot of inconsistencies regarding fraudulent activities on my credit report. ( Please see the attached for all inconsistencies found and fraud activities, accounts listed to my credit report that arrent mine that I have no knowledge of. ) according to the fair credit reporting act convergent accounts that are listed to my report are a violates my rights 15. usc1681 section 602A sec2 : It also states a consumer reporting agency can not furnish account without my written instructions. 
I these accounts are to be removed deleted from my credit file.

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 2023-09-29 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NC

Complaint narrative:
I got into a XXXX XXXX accident resulting in losing my car on XX/XX/XXXX. After recovery, I and my roommate sat down & agreed that it was best for me to move back to NC to get back on my feet. We agreed & signed a roommate release form, and turned it in to the office on XX/XX/XXXX, ( luckily, she already had a new occupant in mind ). I left the apartment XXXX XXXX. The new tenant was initially supposed to move in around XXXX but got pushed to XXXX XXXX... I have proof of my ex-roommate stating that she has paid the rent for those XXXX months while waiting for her new roommate. I then started receiving eviction notice emails stating that the rent was not paid ( first received on XX/XX/XXXX ). I questioned her about it & she told me ( XX/XX/XXXX ) to disregard it because she would pay the rent and additional to get it removed. However, that did not happen, and when I received another eviction email on XX/XX/XXXX, questioned her about it, she then revealed to me that she did have to " deal with this '' /stay at the complex and that she doesn't care about paying the evictions because she applied to the apartment complex with a fictitious social security number to get it approved so that she wouldn't get penalized for not paying the rent. I alerted the leasing office about this matter and requested feedback on what they would do but I have not received any communications from the company about what was done with the lease. I was told by my lawyer ( XXXX XXXX ) that if the lease had included her name & she had used a fictitious social security number the lease would not be accurate in itself along with disputing the collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/2022, XXXX Date of IXXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: FL

Complaint narrative:
I have applied to be on the XXXX income based repayment plan 4 times, once when I consolidated my loans, 2 months ago. ED financial accepted the consolidated loans the next day but did not put me on XXXX plan. I then applied to be on XXXX plan 2 weeks ago, still have not been accepted. I applied twice for XXXX plan on their online portal, still have not been accepted. I have submitted an online form for them to contact me 3 days ago, but have not heard back. I called 3 days ago and was placed in the call back line, but when they called back the next day they immediately hung up without speaking to me. Have been on hold today, was told it would be 85 minutes and am on hour XXXX, still have not spoken to a person yet. Because I have not been able to reach them and they have not received the multiple electronic communications I have sent them from myself and the Student Aid government site, my loans have been accruing interest and I am scheduled to make an astronomical student loan payment that I can not afford. This is absolutely ridiculous that I am forced to do business with this incompetent loan servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo repossessed a vehicle without notice and refuse to let us pay the amount overdue in full in order to re-obtain the vehicle right after repossession that being said, during the repossession, there were many items stolen from the vehicle that we never got back, and Wells Fargo never offered any kind of compensation, nor did they allow it to even fade them back to no pity or remorse from the company at all, was XXXX over the phone that day from them at least. These items were all stolen from the vehicle. 
A XXXX XXXX, a XXXXXXXX XXXX a brand new XXXX XXXX XXXX XXXXXXXX, a pair of XXXX XXXX XXXX XXXX XXXX XXXX, a purse with my identification, my debit cards, credit cards, all of my important information, Social Security number ID and everything stolen from the vehicle. Not even the purse remained multiple tools a large iPod and a XXXX mini XXXX cellular and wifi with XXXX storage. 

All I'm saying is look, there's no way I could even figure out who was the one that was picked up the vehicle. The tow truck driving company wouldn't even allow us to give us the name of the all of the people that picked up the vehicle at XXXX, they just allow us to take the stuff that was left in the vehicle after it had been ransacked Wells Fargo did authorize them to take the vehicle. Wells Fargo is the XXXX who hired them and Wells Fargo is the XXXX who should be liable for anything that their subsidiary company or third-party XXXX did. The same day it was repossessed and we were able to go down and pick up our possessions. The second that we noticed all the things were missing. We immediately called Wells Fargo and told them about it. They should have records of that and all the stolen stuff from the vehicle, and, we have ever heard anything back about our items nor any kind of compensation for those items stolen.

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 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is in my report and it is incorrect I want it removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is in my report and it is incorrect I want it removed 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 explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX XXXX CO Date of Inquiry XX/XX/2022, XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/2022 & XXXX BANK XXXX XXXX Inquiry XX/XX/2022

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 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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