vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-08 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: CA

Complaint narrative:
I am filing a complaint against Credit Reporting Agency Experian. On XX/XX/23, I pulled my credit report ( see partial attached ). I sent a letter to Experian to dispute the inconsistent and inaccurate reporting with the Date Last Reported with 3 accounts ( XXXX, XXXX XXXX and XXXX ) and XXXX 30 day late with XXXX account. 

On XX/XX/23, a new report was pulled, I sent follow up letters to Experian and other bureaus, however, it was not until a closer review of the XX/XX/23 credit pull that I noticed the FCRA 623 ( a ) ( 3 ) and FDCPA 807 ( 8 ) violations ( report attached ). 

On XX/XX/23, I sent a letter to Experian requesting these accounts to be removed as they were in violation of my rights per FCRA 623 ( a ) ( 3 ) and FDCPA 807 ( 8 ). ( See attached. ) All letters, certified receipts, XX/XX/23 and XX/XX/23 credit reports were sent with this letter. 

Section 623 ( a ) ( 3 ) of the FCRA states that if the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. Therefore, a furnisher can still provide a consumers credit information that is in dispute, but it must clearly state to the credit reporting agency that the information provided is being disputed. 

FDCPA 807 ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 

On of XX/XX/23, I pulled my report ( see attached ), and Experian is still in violation. 

FYI- I sent the same packaged request to XXXX, and XXXX, XXXX XXXX  accounts were removed. The XXXX XXXX was not removed as XXXX did post properly that this account was disputed by consumer. 

Thank you, 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 2023-08-08 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: AL

Complaint narrative:
I CALLED AND SPOKE TO SOMEONE FROM EQUIFAX ABOUT A TWO MONTHS AGO ABOUT THESE FRADULENT CHARGES ON MY ACCOUNT. THEY HAVE YET TO REMOVE THE FOLLOWING : XXXX IN THE AMOUNT OF {$1200.00} FRADULENT OPENDED ON XX/XX/XXXX, XXXX XXXX XXXX XXXX  IN THE AMOUNT OF {$290.00} FRADULENT OPENDED ON XX/XX/XXXX. I HAVE FILED A COMPLAINT WITH IDTHEFT.GOV AND WITH MY LOCAL POLICE DEPARTMENT! HAVE THESE ITEMS REMOVED ASAP. FOR THIS HAS CAUSED MY JOB NOT TO BE ABLE TO ADVANCE ME TO HIGER POSITIONS. I AM EXTREMLY UPSET AT EQUIFAX FOR NOT REMOVING THIS INCORRECT INFORMATION! TAKE THE INCORRECT ITEMS OFF ASAP! I HAVE ATTACTED MY POLICE REPORT AND MY COMPLAINT WITH ID THEFT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 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: MA

Complaint narrative:
Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments. There should be no late payments on this account.

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 2023-08-08 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: PA

Complaint narrative:
I have recently reviewed my credit profile and I noticed several Inaccurate items.

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 2023-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
A collection from XXXX XXXX XXXX was presented through a civil case in the amount of {$700.00} for a debt my ex husband took out in my name. I am waiting on proof of debt. According to the divorce decree I am not to be held liable for any expenses regarding his motorcycle. I believe this was for a helmet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Hello, In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Please remove these 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 explanation
Consumer complaint received 2023-08-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-08 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I HAVE BEEN HAVING PROBLEMS WITH XXXX COMPANIES FOR THE PAST 5 YEARS. I HAVE DONE EVERTHING THEY HAVE ASKED FROM ME. I HAVE SEND COPIES OF ALL THE DOCUMENTATION THEY HAVE REQUESTED IN ORDER TO HAVE MY ACCOUNTS UP TO DATE. I WAS A VICTIM OF DOMESTIC XXXX FOR XXXX YRS. AFTER MY LAST BODILY ASSUALT AND HAVING MY TRUCK BURNED BY MY ABUSER I FILED FOR DIVORCE. THATS WHEN MY I STARTED GETTING DELINQUENT LETTERS FROM CREDITORS, REQUESTING PAYMENTS. I CALLED AND EXPLAINED TO THEM THAT IT WASNT ME WHO GOT THOSE MONEY LOANS, OR COMMERIAL LOANS, OR STORE CREDITS. I DID POLICE REPORTS AND SEND THEM TO EVERY SINGLE COMPANY AND THEY DENIED ME THE CHANCE TO CLEAR AND CLEAN MY CREDIT SCORE. CONNS SUED ME FOR 7 ACCOUNTS I WON 3 CASES BUT STILL PENDING 4 I KEEP CALLING THEM AND THEY HANG UP OR JUST HAVE ME ON HOLH FOR HOURS. PORTFOLIO RECOVERY HAS BEEN SENDING TEXT MESSAGES DEMANDING PAYMENT FOR 3 ACCOUNTS I ALSO SEND THEM THE POLICE REPORTS AND IVE HAD NO SUCCES THEY KEEP UPDATING MY CREDIT REPORT AND THEY KEEP CHANGING THE DATES ON THEM " LIKE WHEN ACCOUNT WAS OPENED " THEY DONT MATCH COMPARED TO THE CREDIT REORTING AGENCY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ASSOCIATES IS DOING THE SAME THING REPORTING INFORMSTION THATS NOT CORRECT. AND XXXX HAS MY WRONG DATE OF BIRTH I HAVE REQUESTED THEM TO UPDATE MY INFORMATION AND THEY WANT ME TO SEND A COPY OF MY ID AND SS #, IM AFRAID TO SEND THEM MY INFORMATION DO THAT NO ONE LISTENS TO ME. I HAVE ALSO TOLD THE 3 CREDIT COMPANYS THAT THE INFORMATION THEY HAVE IS AFFECTING ME AND MY FAMILY TREMENDOUSLY. I HAVE NOT BEEN ABLE TO BUY A HOME FOR MY KIDS NORE HAVE I BEEN ABLE TO PURCHACE A VEHICLE SINCE THE LAST ONE WAS BURNED BY MY EXHUSBAND. I HAVE SEND ALL THEM COPIES OF THE POLICE REPORT STATING THAT IM A VICITUM OF IDENTETIY THEFT AND THE PERSON WHO OPENED THOSE ACCOUNTS WAS MY EXHUSBAND AND HIS SISTER, WHO BOTH ARE IN THE ORGANIZED CRIME WITH CARTELS. I DONT KNOW WHAT ELSE TO SEND THESE COMPANIES TO MAKE THEM UNDERSTAND MY SITUSTION AND HOW IT HAS BEEN AFFECTING US , PLEASE HELP, ANY ADVICE IS WELCOME

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 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: CA

Complaint narrative:
ive recently checked my consumer report and noticed a few fraudulent inquires that I did not authorized, this is fraud and shall be block according to 15 usc 1681c-2-a ( blocking of information deemed fraud by the consumer I have file an id theft affidavit as well which will be enclosed in the attachments, unauthorized inquires Inquiry XXXX XXXX XX/XX/2023 Inquiry XXXX XXXX XX/XX/2023 Inquiry XXXX XXXX  XX/XX/2023 Inquiry XXXX XXXX  XXXX XX/XX/2023

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 2023-08-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Figure Technologies, Inc
State: NJ

Complaint narrative:
Please have Figure Lending LLC ( located at XXXX XXXX XXXX XXXX, XXXX Floor, XXXX, NC XXXX ) seize all further communication with me and remove my name from all marketing letters. They have inappropriately advertised HELOCs multiple times that I never signed up for. I simply do not know how they obtained my home address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 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: OneMain Finance Corporation
State: FL

Complaint narrative:
Someone used my credit to try and untain a auto loan

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have been paying off the balance on my home depot card for over a year. My last statement for XXXX was {$800.00} and I received a new statement for XXXX indicating my new balance was for {$910.00} and some cents. When I went to review the statement it indicated that they were charging me {$210.00} of interest and a promotional no interest was not paid in full. 

Home depot conveniently paid the revolving amount and none of my payments went into the no interest amount and I essentially am owing more than the purchase amount of {$650.00}. I have made continuous payments for over a year and even paid a late payment fee once since 2022. The person I spoke to in the credit card customer care indicated I had a way of allocating that towards the no interest promotion. 

There is not a tangible way to do that either on the phone nor is there anything indicating that on the statement I am looking online. 

Home depot 's management of payments is fraudulent and convenient to be able to charge more and not able to see what my payment is going towards. Very misleading and not worth having this sort of credit card.

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 2023-08-08 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: TX

Complaint narrative:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

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 2023-08-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
On XX/XX/2023 I was driving my truck on the highway when the engine went bad while cruising at highway speeds. I did not receive my truck until XX/XX/XXXX. During that time period I had was given multiple courtesy vehicles from the dealership but none were a truck. I had to rent a truck to move my wife to Ohio and didnt have my truck for my wedding which I had to borrow someone else 's truck for that. I tried to work with GM to come to a resolution but they didnt not offer any compensation for my time nor the XXXX  caused by the engine going bad while driving at highway speeds. 

I filed arbitration with General Motors on XX/XX/2023 per the agreement I signed when I bought the truck. On XX/XX/XXXX, the XXXX XXXX XXXX informed me they are taking no new GM cases because GM is not complying with the XXXX 's policies regarding consumer claims. Thus violating the agreement we signed when I bought the vehicle. 

GM also called me to XXXX  me and violated our agreement by trying to get me to not follow the arbitration process. GM claimed it was a recorded line so there should be a recording of the phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 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: IL

Complaint narrative:
I have 19 hard inquiries from XXXX, XXXX XXXX  that I dont recognize and its hurting my score please 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 2023-08-08 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: IL

Complaint narrative:
I have 19 hard inquiries from XXXX, XXXX 2023 that I dont recognize and its hurting my score please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 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:
I have recently reviewed my credit report and noticed several inaccuracies on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 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: PA

Complaint narrative:
I have recently reviewed my credit report and noticed several inaccurate items on my credit profile.

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 2023-08-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: REGIONS FINANCIAL CORPORATION
State: MN

Complaint narrative:
I applied for a loan on XX/XX/23 and the principal balance was XXXX, XXXX. I was told that the interest rate was 10.99 % but was not told that it was daily interest. When I asked, I was told it was in the fine print. The statements that I receive does not show the full amount owe, it is noted to call for full amount owed. The statement does not show interest accumulated or other charges.

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 2023-08-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I sent a letter to Bank of America on XX/XX/2023 and on XX/XX/2023 have not heard any thing back from them. the issue is that they are reporting an account that their employees opened fraudulently with out my consent.nor knowledge. I would like to resolve this issue I am having with bank of america

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 2023-08-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have tried for more than 4 months writing to them concerning the improper reporting of items on my credit report. I fully plan to pursue litigation in accordance with the FCRA to implement my rights, seek relief, and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite my previous written requests, the unverified entries still remain on my credit report in violation of Federal Law. they stated in their response to my dispute letter that they have verified accurate accounts which is a lie.They failed to send me copies of the proof that these accounts belong to me as per my request. they are required under the FCRA to have properly verified that an entry listed on my credit file is mine by having a copy of the original credit application on file proving that the entry is mine. It is obvious that they dont have any proof on file that the items are mine. When I go to litigation they will be required to produce said documents through the discovery process, and since they dont have the said documents in their files then that will be proof that they did not properly verify the items and they will have to be wiped clear. 

they have NOT provided me with a copy of ANY original documentation ( a credit application with my signature on it ) as required under Section 609 & Section 611 ( a ) ( 1 ) ( A ).

Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). You say that you have reinvestigated these accounts but it is obvious that all they have done is parroted information given to them by other sources and shifted the burden back to me to prove the accounts are not mine which is clearly in violation of 1681 ( a ) ( 4 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to ... promptly REMOVE all information which can not provide proof of verification.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2023, I sent a certified letter to Transunion requesting that they send me the official documents that were used to verify the adverse information reporting on my current consumer report. FCRA 611 ( 15 U.S.C. 1681I ) 7 ) DESCRIPTION OF REINVESTIGATION PROCEDURE A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 
I stated that the information was in violation of my consumer rights based off various FCRA laws that they were violating. The company has ignored my letter and now I am requesting the CFPB demand the consumer reporting agency to provide me with the certified documents used to validate the information that is currently reporting on my consumer report. Pay attention to the accounts and information highlighted and the laws that are being ignored. I want to know what the CFPB can do to regulate and enforce the laws that are in place to protect consumer rights. The past year I have been notifying the consumer reporting agency about this matter and I have been ignored. I am not asking for verification nor validation but enforcement of the laws that are in place to 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 non-monetary relief