vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Mountain Run Solutions, LLC
State: GA

Complaint narrative:
This company continues to violate my rights. After I notice they have an invalid account on my credit I notified them and asked for valid verification AND Validation if the account bearing my wet signature, providing proof of their license and being anole to even report a debt. Which they have failed to provide. I explained to them that Ive never signed any contract with them or anyone to sell my information to and any alledged debt should be sent back to original creditor. I asked that any communication is done by mail however they continue to call me on my phone, email and through my business accounts which is accessible by employees.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-01-16 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: GA

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open 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 2023-01-16 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: GA

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open 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 2023-01-16 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:
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 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 2023-01-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
I contacted Lincoln of XXXX XXXX, as my leased vehicle is nearing the end of its lease term and I would like to purchase my vehicle. I received a payoff which includes the following : XXXX ) Market value selling price of {$23000.00}. XXXX**This does not match my lease buyout amount, so I asked for the payoff that they received from Lincoln Automotive Financial and did not receive it*** XXXX ) Taxable fees ( estimated ) : {$270.00} ***no idea how this was calculated*** XXXX ) Doc Fee : {$990.00} XXXX*I spoke to a manger, XXXX XXXX, who insisted this was authorized by the first page of my lease. I asked several times where it says that and he stated that he does not have a copy of my lease, but they all have it. I told him this is a violation of the Consumer Lease Act and he insisted that he would have to see my lease. I thn sent the first page of my lease, as instructed by XXXX XXXX, to " XXXX '', and received the response that this is the dealer 's cost of doing business and NOT mcharged by Lincoln. In other words, it is not authorized by my lease and therefore a violation of the Consumer Lease Act. *** 4 ) Tax : {$1500.00} ***again, no indication as to how this was calculated*** 5 ) Non Tax Fees : {$560.00} ***No indication what these are for and no indication these are authorized by the terms of my lease*** 6 ) Balance Total : {$26000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 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:
I was a victim of theft in XX/XX/2021. My purse was stolen with all my identifications in it. I made a police report in XXXX XXXXXXXX XXXX. ( case # XXXX ) I have been trying to purchase a home for my family and this is causing my denial for a loan. I have disputed with all XXXX credit bureaus and the company itself. I spoke to XXXX and they have no record and they advised me to request the credit bureaus to remove it from my report. No one has taken the time to fix the credit error. This account does not belong to me. I have also sent them a copy of all the different information reporting on the same account with each credit bureau I even sent a XXXX letter because I know this is not mine. They have not provided any proof nor removed it. XXXX also said they can't find anything on this account. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 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: NJ

Complaint narrative:
i have challenged the XXXX XXXX accurate reporting of this XXXX XXXX charged off account being reported by the credit bureaus as required by law XXXX  times now... i have pointed out that this account is being reported as a re aged account and only XXXX  has deleted the account... ..XXXX  and experian are still reporting inaccurate information on my credit report and doing so they are violating my consumer rights... i have attached proof of the inaccuracies but let me write them out for you if you take a look at the date of last payment the bureaus are reporting XX/XX/XXXX but if you look at the XXXX  year payment history they are reporting it as XX/XX/XXXX ... .this is inaccurate reporting and a violation of my consumer rights if you take a look at the account number experian is reporting XXXX and XXXX  is reporting XXXX XXXX both cant be accurate and therefore they are violating my consumer rights

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 2023-01-16 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-01-16 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
This complaint is against Barclay 's Jet Blue Credit Card my acct. ending in XXXX. 
XXXX XXXX XXXX XXXX, DE XXXX On SUN. XX/XX/XXXX, I e-mailed XXXX XXXX XXXX ; in XXXX, XXXX using my JetBlue Mastercard to reserve a room for MON. XXXX. XXXX. XXXX I had cut my vacation short due to family matters and had to return to New York, XXXX. 

When I arrived at the XXXX XXXX XXXX on MON. XXXX. XXXX the front desk told me they had no such reservation under my name but had a room available. Which I obtained using my JETBLUE CREDIT CARD. 

I checked out of hotel on the morning of XXXX XX/XX/XXXX and went to XXXX XXXX hoping to get a flight to XXXX XXXX However ; no flights were available til the next day ; I purchased ticket and returned to the XXXX XXXX XXXX later that day. 

The front desk representative at the XXXX XXXX XXXX informed me there were no rooms available nor any other hotels in area. 
So not having a hotel I had to spent the rest of the day and night at the airport till my XX/XX/XXXX XXXX XXXX flight to XXXX NJ. 

Sometime later when I received my JETBLUE M.C. credit card statement there was a charge of {$140.00} for hotel logging on XXXX. XXXX. 

I immediately filed a complaint with BARCLAYS JET BLUE CREDIT CARD. 
I also contacted the hotel through e-mail but got no response. 

On XX/XX/XXXX BARCLAYS JETBLUE reinstated charge stating merchant had not violated terms and conditions of sale. 

This is completely false. In a written statement given to BARCLAYS JET BLUE in their defense they state : " XXXX XXXX made the reservation by phone. He was advised about the cancellation policy. The customer never arrived so we charged him. '' The fact is ; if that if that was true they would have my correct name since reservations would have been made on my credit card. I made no such reservations and if I did it would be under my name XXXX XXXX. 

Again I sent documents in my defense to BARCLAYS JET BLUE and never heard from them. 
I called them to inquiry on XXXX. XXXX. XXXX, XXXX and was told it was determined the charge was legitimate. 
It was not only NOT but in fact FRAUDULENT! With overwhelming evidence in my behalf. The BARCLAYS JETBLUE representative stated there was nothing that they could do but I could reach out to the hotel again. 

I request a full refund of the false charge of XXXX & want to file a formal complaint against BARCLAYS JETBLUE CREDIT CARD for their unprofessional, lackadaisical and promotion of fraud by a vendor and not protecting me, the card holder of this false charge.

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 2023-01-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On the XX/XX/2023 i filed a dispute in regards to my XXXX XXXX prepaid card because my card was compromise by someone else then i had to request for a brand new card which i just received but I'm yet to receive the funds which i disputed on and still waiting for bank of America to give me a refund, please kindly get in touch with them so that they hasten my dispute on time.

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 2023-01-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Byrider Franchising, LLC
State: FL

Complaint narrative:
I got a loan for a car and I really didn't understand the interest rate at the time i was just excited to be driving. So they did a credit check and ask me to put money down and told me to provide my own insurance. The interest rate is XXXX XXXX which is against XXXX law in XXXX.On XX/XX/2021 I entered into this contract.I asked for refinancing and tgey told me that they are not certified to refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 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: MN

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

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX Account name # XXXX Account name # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX 15 U.S.C 1681 section 602 A. States I have a 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 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 2023-01-16 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: AL

Complaint narrative:
I am a victim of the EQUIFAX XXXX XXXX of XXXX. I didnt get the notification that i was impacted. I found out recently about the extended claim period and i spent well over 85 hours doing my research and getting reports and doing the requirements to file the claim. I have been still doing research since filing my claim. # XXXX I submitted my claim by priority mail and certified mail tracking # XXXX which was received on XX/XX/XXXX. I have called and the claim has been received and it has been under review for well over 4 weeks. I have called and the customer service never has any information or any updates. I want to know what is going on and how long is the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 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: TX

Complaint narrative:
On XX/XX/2023 please be sure to enter dates that all letters were sent. 

I sent disputes to XXXX, Equifax, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 60 days and they have failed to respond. I am attaching copies of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Everyday. I get XXXX phone calls from comenity bank. They call from all different numbers so I can't block them. They leave voicemails each time. My voicemail becomes full from all their phone calls. They start calling by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Everyday. I was out of work for some time end of last year and couldn't keep up with all my minimum payments on my credit cards and I'm currently not working and about to move out of state and these phone calls are insane. The amount of them. They call sometimes 4 times in a row.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-16 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: NJ

Complaint narrative:
I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, XXXX, and Equifax did not remove the inaccurate account. 

The date of last activity is not correct, the date reported is not correct, the date opened is not correct, the account status is not correct, and the date of last payment is not correct on all three credit reports Which is a violation. This is impacting me from moving forward to buying a house for my family. 

I attached a copy of the account on my credit reports that is inaccurate to show how XXXX, XXXX, and Equifax are violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 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: NJ

Complaint narrative:
I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, Experian, and XXXX did not remove the inaccurate account. 

The date of last activity is not correct, the date reported is not correct, the date opened is not correct, the account status is not correct, and the date of last payment is not correct on all three credit reports Which is a violation. This is impacting me from moving forward to buying a house for my family. 

I attached a copy of the account on my credit reports that is inaccurate to show how XXXX, Experian, and XXXX are violating my rights.

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 2023-01-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I acquired a copy of my credit report and asked the Transunion credit bureau to check and make sure everything was complete and accurate according to 15 USC 1681i Ive waited more than XXXX  days and I havent received a response. The dispute file number is XXXX and was submitted on XX/XX/XXXX. It is now XX/XX/XXXX. 

Transunion hasnt even recorded the current status of the disputed information. 

Transunion is holding me back from purchasing a home for myself and my family. This is extremely frustrating because my family needs a home and Transunion is not doing its job according to the law

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I hired a contractor to repair my chimney and the work was not completed and what was completed was completed is not to industry standards and everything needs to be rebuilt. I filed a dispute with my credit card at Bank of America and they are refusing to help rectify the situation.

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