vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-10 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: TX

Complaint narrative:
I am wondering why you are reporting that I was late with this creditor XXXX XXXX I am in dispute of the information listed, and it is my request that you remove this account from my credit report and send me a new copy that reflects the change.

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 2023-04-10 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:
On XX/XX/XXXX I sent a dispute letter to Equifax Information Services XXXX LLC via certified mail ( Tracking # : XXXX ) to remove fraudulent and unauthorized inquiries from my credit report and they refused to do so. I then submitted a follow up letter via certified mail ( Tracking # : XXXX ) requesting them to furnish proof of verification for the fraudulent and unauthorized inquiries and they were unable to do so. I am respectfully requesting that these fraudulent and unauthorized inquiries are removed from my report : XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX The same issues continue with XXXX XXXX XXXX XXXX I sent out the same dispute letters and they refuse to remove disputes as well. Below are the certified mail tracking numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
I have had an issue with having a payment credited to my Big Lot's/Comenity credit card account. My credit union changed their bill pay system and my original info for paying the bill was lost. I paid Comenity but mistakenly did not include my account number. The check from my account was cashed but I was never credited the payment. Comenity sent me late notices, I responded with the evidence that the check was cashed and I was not credited. This happened in XXXX 2023. I am attaching the correspondence. I disputed with XXXX and XXXX responded that Comenity was correct. I did have a late payment for XXXX as this dispute was going on and I did not realize that I still owed approximately {$30.00}. I just paid that amount {$30.00} ) through my credit union and am waiting for Comenity to cash that check. Comenity reported me late the original amount that I am disputing ( {$200.00} ) and I think for the months of XXXX 2023.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-10 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: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
As a result of the repossession of my XXXX XXXX XXXX the first week of XXXX, I no longer have title to my car. I fulfilled all demands of Ally Financial, INC and recovered my car by XXXX XXXX XXXX 
Last Saturday, when I attempted to sell my XXXX XXXX at XXXX, I was informed it would be impossible to complete the transaction as my title was invalid. Ally had modified the title, making, Ally Financial, the owner in XXXX, Michigan. 
When I called Ally on XX/XX/XXXX about getting that the title corrected, I was informed it would take 3 to 4 weeks for them to send me the documents necessary to correct your mistake ( and these documents could not be emailed or faxed ). 
In the meantime, I can not sell the car. 
Strange that Ally was able the change on XX/XX/XXXX, one day after I paid the amount past due ( XXXX XXXX XXXX ) and met all the demands of Ally regarding the repo. 
Evidently, Ally 's departments do not communicate or check to see if such actions are accurate, prudent or appropriate, let alone ethical or legal, I was never informed of the change of ownership on this title. 
Also, there were personal items removed from the vehicle and I have sent numerous emails about this to XXXX over the past month with no response. 
I do not understand 1 ) how someone can make changes to a motor vehicle without due process of the law, and 2 ) when they do modify the title ( after the loan/lien has been reinstated ), they are unable/unwilling to correct their error in a timely/expeditious manner. 
Thank you for any assistance you may provide.

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 2023-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Law Office of Harris & Zide
State: CA

Complaint narrative:
The company Harris and Zide and it's affiliate or partner XXXX XXXX  has attempted to contact me multiple times about a debt that has been in dispute. I have received numerous letters as well as phones calls during the time of a dispute. During the period of a dispute the collection agency or their affiliates are supposed to send validation letters validating the debt since the account has been disputed for identity theft. They have failed to provide this information of the charges or anything validating the debt and continue to contact me. 

Per CFPB and FDCPA : '' The CFPBs Debt Collection Rule clarifying certain provisions of the Fair Debt Collection Practices Act ( FDCPA ) became effective on XX/XX/XXXXXXXX XXXX XXXX " You have 30 days to dispute a debt or part of a debt within 30 days from when you first receive the required information from the debt collector. Once you dispute the debt, the debt collector can't call or contact you to collect the debt or the disputed part of the debt until the debt collector has provided verification of the debt in writing to you. Your dispute should be made in writing to ensure that the debt collector has to send you verification of the debt. '' I have disputed this debt and have yet to receive any validation letter, the only letters I continue to receive are letters to attempt to collect the debt and now that it has been assigned to an attorney for legal action. 

The last letter I received was on XX/XX/XXXX stating the account has been assigned to Harris and Zide. As well as received a call from Harris and Zide on XX/XX/XXXXXXXX  at XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: VW Credit
State: PA

Complaint narrative:
I recently applied to Audi, for a lease.. I have an applied in the past before. This time the representative at the dealership said that Audi doesn't want to do business with me and has me block and will continue to keep denying my application. I have yet to receive any correspondence from the Audi financial. I believed because I applied in the past in the reason why they are denying, initially when I applied years ago I had some credit issues related to fraud. I have recently removed all negative and derogatory information that was reporting. I have been to court on this issues, filed numerous police report to prove I was a victim of Identity theft. 

Audi I belive is now discriminating against me. XXXX I qualify to lease any car, and income I qualify there as well. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  How does a dealership and respond and days Audi financial does not want to do business with you .... I have the recording of the sales rep saying this to me .....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: FIRST NATIONAL BANK OF OMAHA
State: MI

Complaint narrative:
XX/XX/ submitted a XXXX two police report to the credit bureaus on XX/XX/XXXX it was removed then reinserted shortly after.. The Company FNB Omaha verified saying this is my account ( # XXXX ) for the amount of {$19000.00} ) its not mine! I also disputed it 2 times.. 

I have a Police and FTC report XXXX deleted it, XXXX and XXXX still show it I have been passed back and forth between the credit bureaus and FNB Omaha each of them blame the other this is very frustrating thanks for your 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 2023-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: CA

Complaint narrative:
My account is set up to limit communications to by phone ( voice only ) or email due to my XXXX limiting cell phone use precluding texts. Today they sent me a text that looked like spam so I went to login via personal computer ( how I always access ). I will attach the XXXX  of that screenshot telling me they had disabled my account. I called and the person said nothing they can do for me to look to see signs if I was hacked since they ignored my communications needs and I can only do in a way that does not work for me. Seems like not ADA compliant besides behaving as if my account gives me no rights to monitor them. They said it was due to an audit they were doing -- shouldn't customers be notified of audits on their account before it happens?

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 2023-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
The company XXXXXXXX XXXX XXXXXXXX and it's affiliate or partner LVNV funding has attempted to contact me multiple times about a debt that has been in dispute. I have received numerous letters as well as phones calls during the time of a dispute. During the period of a dispute the collection agency or their affiliates are supposed to send validation letters validating the debt since the account has been disputed for identity theft. They have failed to provide this information of the charges or anything validating the debt and continue to contact me. 

Per CFPB and FDCPA : '' The CFPBs Debt Collection Rule clarifying certain provisions of the Fair Debt Collection Practices Act ( FDCPA ) became effective on XX/XX/XXXXXXXX '' " You have 30 days to dispute a debt or part of a debt within 30 days from when you first receive the required information from the debt collector. Once you dispute the debt, the debt collector can't call or contact you to collect the debt or the disputed part of the debt until the debt collector has provided verification of the debt in writing to you. Your dispute should be made in writing to ensure that the debt collector has to send you verification of the debt. '' I have disputed this debt and have yet to receive any validation letter, the only letters I continue to receive are letters to attempt to collect the debt and now that it has been assigned to an attorney for legal action. 

The last letter I received was on XX/XX/XXXX stating the account has been assigned to XXXX XXXX  XXXX. As well as received a call from XXXX XXXX  XXXX on XX/XX/XXXX at XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have reached out to this company on several occasions only to find that Equifax is by definition committing FRAUD against me as a consumer. Fraud defined : wrongful or criminal deception intended to result in financial or personal gain. See below for how their actions are criminal and fraud.

" 611 - 15 U.S.C. 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. '' Equifax was given an opportunity to correct the errors of a public record on my credit report. They were provided with the Unverifiable results and deletion from XXXX XXXX that was completed on XX/XX/2023. As of XX/XX/XXXX, Equifax claims to have completed a " XXXX '' of the disputed item and verified as accurate through their third-party vendor XXXX XXXX. As you'll see in the attachments, XXXX XXXX deleted the Public Record Bankruptcy from my credit file because it was UNVERIABLE on XXXX XXXX. 
This equates to FRAUD and goes completely against the FCRA which is not a guideline, it is the governing law they must abide by. The public record must be removed immediately. 

The FCRA on this topic provides me as a consumer with the right to complete, accurate, and fair reporting. I requested the information as to what third party vendor was used to verify this public record so that I could attempt to correct it at the source. The courts deny speaking with the credit reporting company, XXXX  denies reporting any information to them, and XXXX XXXX deleted the unverifiable information which this company claims to use as their third-party verification. So, if Equifax is verifying this fraud as accurate and not using the XXXX XXXXXXXX XXXX or XXXX XXXX. Who are they using for method of verification? Simply put, Equifax has lied and needs to correct this immediately by deleting this Public Record Bankruptcy off of my credit report using my SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-10 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXXXXXX  : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX U S DEPT OF ED/XXXX : # XXXX U S DEPT OF EDXXXX : # XXXX U S DEPT OF EDXXXX : # XXXX U S DEPT OF EDXXXX : # XXXX U S DEPT OF EDXXXX : # XXXX U S DEPT OF EDXXXX : # XXXX U S DEPT OF EDXXXX : # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing you as I have found recently in my Transunion & XXXX credit reports fraudulent accounts and inquiries. Please help me to remove those accounts and inquiries from my credit report as I'm a victim of identity theft. 

These are the accounts XXXX XXXX - XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX These are the Inquiries XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am attaching also my ID , SSN and FTC 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 2023-04-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: CrossCountry Mortgage LLC
State: CO

Complaint narrative:
Information from credit report Loan Amount : Over XXXX Bank : XXXX XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, Co XXXX I called the phone number multiple times and no one has answered. I spoke with XXXX today, XXXX, and filed a dispute with them and they instructed me to also submit a claim with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: ERC
State: OK

Complaint narrative:
I paid ott the debt collection for XXXX from Enhanced Recovery please update the status

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have two credit inquiries with Bank of America that I do not recognize. I tried to dispute the information with XXXX, XXXX, and XXXX but I was told that I would need to reach out to Bank of America myself and I did but since I do not have an account with them I was not able to get an agent on the phone. I noticed two separate inquiries were done with out my consent. One on XX/XX/2022 and another on XX/XX/2022 both 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