vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-17 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 writing this letter to bring to your notice the following information added to my credit report falsely added to my credit report without my pier knowledge. The mention details are incorrect and the account are under business name and they submit the charge off under my name. 
I request you to revise the report after deliguns. I request you to clear my credit report as soon as possible to help me continue business. 
Report # XXXX. # XXXX. 

XXXX XXXX Last four digits of Social Security XXXX XXXX XX/XX/XXXX XXXX charged off. {$2.00}, XXXX written off. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Account info Account name XXXX XXXX Account number XXXX Account type Credit card Responsibility XXXX name XXXX XXXX Account XXXX XXXX Account type Credit Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$640.00} past due as of XX/XX/XXXX. 



XXXX name XXXX XXXX  Account number XXXX Account type Credit Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$15.00}, XXXX written off. {$15.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX {$15000.00}

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 2023-04-17 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: WA

Complaint narrative:
Hello, On XX/XX/ two student loans were added to my credit report. One amount of {$2900.00} and other amount of {$1700.00}. I have tried disputing multiple times with Credit Karma and XXXX but have had no luck. I took the steps to contact directly with the student loan company XXXX XXXXdept of education ) but can't get ahold of a customer representative to discuss the fraudulent activity. I am also unavailable to acquire these account numbers and I need that information to move forward so I am able to report the fraudulent accounts. I would like to move forward to remove these loans from my account as it has and will continue to effect my credit report as well as affecting my ability to open other accounts. 

Thank you so much for taking the time to read my complaint.

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 2023-04-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The credit bureaus are violating my rights not obeying the laws in place by the fair credit reporting act. Ive sent XXXX, XXXX and Equifax certified mail 3 times XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX explaining i have not had a proper investigation performed and how they are violating the fair credit reporting act. These consumer report agencies are in violation. 


According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) the credit bureaus dont have written permission.

According to 15 USC 1681 I have the right to privacy.

According to 15 USC 1681s-2 a person shall not furnish any information related to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to consumer to any consumer reporting agency If ( i ) the person has been notified by the consumer, at the address, specified by the person for such notices, that specific information is it accurate; and ( ii ) the information is, in fact, inaccurate. 

They also didnt even record the current status of the disputed information which is another violation. 

I can go on and on. 

The credit bureaus have no respect for the laws. 

Somebody needs to be held accountable for this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against The money source regarding their poor quality of service. I have had several issues with this company, including a late payment that was their fault and their failure to provide me with adequate customer service. 

I reached out to a supervisor regarding the late payment, and they were supposed to call me back to discuss a resolution. However, I never received a call back, and when I followed up with the company, they were rude and unhelpful. 

Furthermore, I have had additional issues with this company, including a lack of communication and failure to provide me with the courtesy of fixing their mistakes. I have tried to contact them to address these issues, but they do not call me back or provide me with any assistance they put a late payment on my credit report for XX/XX/2022 I tried to explain what happened to the agent that was supposed to help me but all he did was try to confuse me I explained they had me cancel the payment on the app and pay it over the phone I have been doing business with the money source for almost 2 years I have never been late always pay on time this is effecting my credit report the last agent I spoke with was XXXX XXXX, I am extremely disappointed with the level of service provided by The money source, and I believe they are not meeting the standards of customer service that are expected. I hope that the Consumer Financial Protection Bureau will take action to ensure that this company improves its service and treats its customers with respect. 
My account # XXXX Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against The money source regarding their poor quality of service. I have had several issues with this company, including a late payment that was their fault and their failure to provide me with adequate customer service. 

I reached out to a supervisor regarding the late payment, and they were supposed to call me back to discuss a resolution. However, I never received a call back, and when I followed up with the company, they were rude and unhelpful. 

Furthermore, I have had additional issues with this company, including a lack of communication and failure to provide me with the courtesy of fixing their mistakes. I have tried to contact them to address these issues, but they do not call me back or provide me with any assistance they put a late payment on my credit report for XX/XX/2022 I tried to explain what happened to the agent that was supposed to help me but all he did was try to confuse me I explained they had me cancel the payment on the app and pay it over the phone I have been doing business with the money source for almost 2 years I have never been late always pay on time this is effecting my credit report the last agent I spoke with was XXXX XXXX, I am extremely disappointed with the level of service provided by The money source, and I believe they are not meeting the standards of customer service that are expected. I hope that the Consumer Financial Protection Bureau will take action to ensure that this company improves its service and treats its customers with respect. 
My account # XXXX Thank you for your attention to this matter. 

Sincerely, 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 2023-04-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
wrong names on my credit report. 
Delete the names as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The social security number is not mine. 

There is lot of adreses are 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 2023-04-17 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I have written can called Equifax numerous time about BK of MO Accounts XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
The issues is with golden sach bank Aka apple credit card I submitted a payment for {$1000.00} from my escrow account the check was cut on XX/XX/ and they cash it on XXXX the XXXX but had yet to post to my account I reached out to customer service 5 times still no resolve I have also sent screen shots of the check with the check number still no status update I contacted them again today they said I have to wait 10 busiensss days this is affecting my being able to close on my house this account has to be brought to a XXXX Balance customer service keeps giving me the run around I need your help please and thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: TX

Complaint narrative:
I continue to get calls from the following numbers : XXXX ; XXXX ; XXXX all for debt for a " XXXX XXXX. '' I am not XXXX XXXX and I don't know anyone named XXXX XXXX. 

They also continually text me. I called the XXXX number weeks ago and noted that I am not " XXXX XXXX '' but I continue to get the calls and texts ( multiple calls per day ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: FL

Complaint narrative:
Transunion is inaccurately reporting an account on my credit profile. I disputed the item and asked for their method of validation based on my rights under 15 U.S. Code 1692g. They failed to provide any information on how and why they continue to report this on my credit profile. They completely disregarded my complaint and furnished none of the information I requested based on my rights as a consumer under the FCRA. I am following up with another dispute. Furthermore, Transunion is the only credit bureau reporting this false and misleading information on my 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 explanation
Consumer complaint received 2023-04-17 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: CA

Complaint narrative:
I write in response to an ongoing matter with Mercedes Benz Financial Services LLC. On or about XX/XX/2023 a credit application was processed by XXXX XXXXXXXX Mercedes Benz without my consent to obtain a lease on a 2023 XXXX XXXX vehicle. The lease should have only been in my son, XXXX XXXX name. I wrote to MBFS legal, executive office, and Fraud Control, and received only one call back from someone named XXXX. XXXX advised me that she would be looking into this matter and reverting back with me. I did not receive any further response from XXXX or anyone else at MBFS. We have sent multiple follow up emails to MBFS general counsel XXXX XXXX, to MBFS Fraud Control, and they continue to ignore our request for resolution. 

Moreover, MBFS had locked access to this account online for my son and myself and therefore my son can not access this account to view or try to make payments, edit preferences, etc. MBFS ignores our request for resolution, and my next step is to take legal action. When I call MBFS customer service is largely incompetent and unable to assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio Recovery Associates are calling me repeatedly, threatening to take legal action against debts that are over 6 years old. They call me everyday, they will not provide accurate details on the original creditor associated with the accounts, they continue to report them to the credit bureaus as delinquent but will not provide me with any information about them. The age of the original debt is on my credit report and is over 6 years old as per what Portfolio Recovery Associates is reporting. It is really damaging my credit, I have other revolving accounts that are paid on time and have small balances if any at all yet what this company is doing is making it hard for my credit score to go up. They are reporting to XXXX that they are not a collection agency and on my credit report it looks like I have open accounts that are not being paid, even though they are listed as closed on XXXX, which makes them impossible to dispute. They are harassing and bullying me everyday, all day long, destroying my credit, I can not dispute the transactions on my credit report, they said they can sue me for the full balance or I can pay them in full, otherwise, they will continue to report me as delinquent. I do not know how this is legal to do. especially when the account shows that its over XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc.
State: LA

Complaint narrative:
I have never lived at XXXX XXXX a day in my life and have been staying in the same house for over 17 years. I have been trying to dispute 2 collections of the apartment for about 1 and a half years now from Carter-Young INC collections . Both collections have recently changed from XXXX to XXXX out of no where on XX/XX/2023 so now theyre saying I owe XXXX worth of debt which is truly insane. I do not owe this debt and would like to get it taken off my credit report. Also I have never received a letter of debt collection before that magically put this debt I do not owe on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I wrote 3 times to TransUnion to correct my credit report with is stating than I missed payments with XXXX XXXX XXXX. On XX/XX/2023 XXXX XXXX XXXX XXXX TransUnion to remove the late payments in my credit report as they were informed by XXXX in error. As of XX/XX/2023 TransUnion still did not correct the mistake, being the only XXXX XXXX to not do that. Besides they say that in XXXX they mail me a letter informing of their review on my request. I have never received anything from them. So besides showing total incompetence TransUnion is a liar.

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 2023-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
wrong names on my credit report. 
Delete the names as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The social security number is not mine. 

There is lot of adreses are 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 2023-04-17 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: TX

Complaint narrative:
wrong names on my credit report. 
Delete the names as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The social security number is not mine. 

There is lot of adreses are inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I had made payments on the payment due date, and they still report to credit bearers that the account was 3 months late.. I talked to a target supervisor and they agreed with me that the fees and late status was wrong...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
The debt is very old Im getting letters from law offices. There was a class action and I was told I was cleared a couple of years ago. But Im still getting theses letters. 

{$11000.00} letter states it owed XXXX XXXX letter stating Im owed the same amount

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: DC

Complaint narrative:
A credit card for Bread Cashback Amex has been charging late fees although we paid on time ( we always do ). They claim that they received the payment after the time when the payment was due. This XXXX have been because of the late mail service we all have encountered since the XXXX XXXX has been in charge. 

We also never receive an account statement from this company. Therefore, we can't make a payment until we call the company because they incorrectly charge us a late fee. We now have called every month since XXXX. Eventually, we cancelled the card on XX/XX/XXXX. 

We spoke to a customer service agent on XX/XX/XXXX. She said that she has erased the fees. I asked for an email confirmation of that. She said she couldn't do that. 

This company is trying to fraudulently get late fees from people who may be unsophisticated or don't have the time to deal with this situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.T.R. Financial Services, Inc.
State: NY

Complaint narrative:
RTR Financial Services Inc is in Violation of the FDCPA and FRCA. On XX/XX/23 I recieved another communication from them stating I owe them {$550.00} in which under 15 USC 1692b ( 3 ) states a debt collector shall not communicate with such person more than once unless requested to do so by such person, also their in violation of 15 USC 1692 b ( 2 ) stating the amount of debt to be owed as {$550.00}, Violation of 15 USC 1692 b ( 5 ) which states not to use any language or symbol on any communication effected by the mails or telegram that indicates that the debt collector is in the debt, collection business or that the communication relates to the collection of a debt, also 15 USC 1692c ( 3 ) by Contacting me at my place of employment ( without consent ), also 15 USC 1692 b ( 2 ) which states a debt collector shall not communicate with such person more than once unless requested by such person [ in which I never requested that they send me anything, as this is the second notice sent to me which is a form of harrassment ], as I filed a complaint stating that I do not wish to do business with them, also they are in violation of 15 USC Section 602A which state I have a right to privacy. I also demand that the CFPB enforce the law, as this is my second complaint about this company and under 15 USC 1681m I am entitled to monetary relief in the penal sum of {$1000.00} per violation in which which in this letter there is a total of 5 bringing the amount of relief to {$5000.00} United States Dollars. Once again I have no lawful contract with this company, nor do I consent to them contacting me including at my place of employment or anywhere at all.I authorize the CFPB to use whatever method available to enforce payment to me the consumer for violation of my federally protected rights. 
XXXX XXXX XXXX / CONSUMER without recourse [ Please note the address they are mailing is my work address XXXX XXXX XXXX XXXX XXXX as seen in the attached documents ]

Company response to consumer: Closed with explanation