vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-28 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: MA

Complaint narrative:
On XX/XX/XXXX, I contacted Experian about the following incorrect information on my credit report. To this date, they have not responded. 


You are reporting the XXXX XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$8700.00} ) account incorrectly. I disagree with the Balance of {$8700.00} as I remember the amount to be lower. I ask you to delete the information regarding the Past Due amount, which shouldn't be reported because this account is closed and charged-off. Since my credit score depends on the changes applied to my accounts, I ask you to mark this account as disputed so that it does not influence my credit score. 
The information on the XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$4800.00} ) account is inaccurate and is causing significant harm to my credit reputation. The XXXX of {$4800.00} that you provide for this account doesnt correspond to the lower amount that I remember. I ask your agency to revise the Past Due information because it is inaccurate to present a Past Due amount for a closed account that was charged-off. This account has likely caused my credit score to drop. Given this, I need to reach an agreement with my creditor regarding the incorrect data. I ask your agency to mark this account as disputed because I do not want my credit score to get even lower. 
The XXXXXXXX XXXX XXXX XXXXXXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$710.00} ) account is reported inaccurately. The Balance amount of {$710.00} is inflated and inaccurate. I do not recognize this amount and I believe I owe a lower amount. The Past Due amount stated by your agency for this account proves that you did not report this account accurately. This account was closed and charged-off. Accordingly, the Past Due amount should not be stated. I intend to contact the creditor directly to attempt to correct the distorted information. I ask your agency to mark this account as disputed until we find a solution to this problem. 
The information indicated on the XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$33.00} ) account is imprecise. The Balance of {$33.00} that you state for this account is higher than the amount that I remember. You should remove the amount indicated in the Past Due section because this account has a closed and charged-off status. I plan to have a conversation with the creditor of this account to clarify all of the reported data. Until the appropriate corrections are made, please mark this account as disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: General Motors Financial Company, Inc.
State: AR

Complaint narrative:
My last payment made to my XXXX XXXX XXXX XXXX XXXX GM Financial was in XX/XX/XXXX. I had recently had financial loss due to my job closing down. I told them that in XXXX and was told that I would have make another 2 payments in order for them to give me a deferment or to give me a chance to come up with something. Because they gave me such a hard time, I couldn't come up with the full payments. Even on their website, if I tried to make partial payments, it wouldn't let me login because I was 2 months behind. I just wanted to make some kind of payment because I knew that I couldn't make the whole payment. 
I received a letter by mail and email in XX/XX/XXXX, stating that I had to pay the full balance of loan by XXXX or my car would still be up for repossession and charge-off on my account and I wouldn't. be able to make another payment. 
This was totally unfair because they had it designed where I couldn't even make just any type of payments. It had to be a full month payment or whatever I was behind on. 
In the end of XX/XX/XXXX or the. beginning of XX/XX/XXXX, I received a phone call from GM Financial asking about payments. I told the lady that I received a letter stating that I had to pay the full balance or they would charged my car off and that they'd already charged it off. She lied and said they didn't. I told her that they did and hung up the phone. 
They didn't really try to work with me on payments and charged it off on my account and put it on my credit in XXXX. That's so unfair. Now I'm having difficulties with my credit score and purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 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: NC

Complaint narrative:
I Have repeatedly attempted to settle debts that I incurred as a result of Covid and malice. However, TD Bank has miss reported my agreement with them and after XXXX XXXXXXXX they put me through this is reprehensible. 
I settled the debt and mt credit needs to reflect that. 

Also ALL credit companies working on behave of XXXXXXXX XXXX refuse to deal with me. 
LAst week, XXXX said they would follow up, and nothing. Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-28 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: MO

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 2023-05-28 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is account advises that I opened XX/XX/XXXX. I've sent credit reporting letter from XXXX XXXX to have removed as it's reporting negatively on my file as I never gave permission to report. I've not received any correspondence from the company as of XX/XX/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 2023-05-28 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:
I am submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 
Below is the list of the fraudulent items I found on my XXXX report : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$17000.00XXXX XXXX XXXXXXXX Balance Owed : {$16000.00} I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities.

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 2023-05-28 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: OH

Complaint narrative:
I looked at my credit report and I notice these accounts below I do not recognize them they do not belong to me. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credova Holdings Inc
State: GA

Complaint narrative:
I just received a letter from your company stating that I owe an outstanding balance. This letter is not a refusal to pay, however, I would like to let your company know that I am disputing your claim. Under the FDCPA, I am allowed to request verification from third party collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : 1.Proof that you either own or were assigned the debt from the creditor 2.Proof that you have the right to collect this debt in my state 3.Proof that your company carries a bond 4.Proof on how your company assessed the outstanding debt 5.Payment history from the original creditor 6.Name and address from the original creditor 7.Copy of the original contract bearing my signature

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I just received a letter from your company stating that I owe an outstanding balance. This letter is not a refusal to pay, however, I would like to let your company know that I am disputing your claim. Under the FDCPA, I am allowed to request verification from third party collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : 1.Proof that you either own or were assigned the debt from the creditor 2.Proof that you have the right to collect this debt in my state 3.Proof that your company carries a bond 4.Proof on how your company assessed the outstanding debt 5.Payment history from the original creditor 6.Name and address from the original creditor 7.Copy of the original contract bearing my signature Thank you for your time and cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 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: FL

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 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: TX

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX On XX/XX/2023 XXXX XXXX  agreed on XX/XX/2023 that this account number is not mines.

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 2023-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: GA

Complaint narrative:
This is account advises that I opened XX/XX/XXXX. I've sent credit reporting letter from XXXX XXXX to have removed as it's reporting negatively on my file as I never gave permission to report. I've not received any correspondence from the company as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 2023-05-28 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: MO

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America still has not responded to my plight, all required time has been given to release my funds. While my account has had multiple close and freeze dates Bank of America has violated my consumer rights. Freezing and locking and closing my account for 3 months now not allowing me to withdraw anything. Yet BOA still pay and except fees from the account. Thus this act trumps any fraud activity. Same process operations for recent lawsuit against B.O.A. Taking money from consumers at will still no policy changes so still same illegal, unethical maneuvers stemming from an outdated unscrupulous fraud department. I request compensation asap I have suffered hardship unimaginable.

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 2023-05-29 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 explanation
Consumer complaint received 2023-05-28 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED 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 2023-05-28 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: PA

Complaint narrative:
In this month, XXXX XXXX, XXXX, when I got the paycheck I noticed over {$300.00} was seized without me knowing. I work as a driver for XXXX XXXX, so I had a friend call payroll for me, and I was on the call simultaneously. Cause XXXX contracts with XXXX for payroll services, we had to get in contact with XXXX, an XXXX employee, telephone XXXX, XXXX. We were told by XXXX, XXXX was following a XXXX XXXX from a New Jersey venue case. Problem is I domicil in XXXX  and prior to that XXXX XXXX. I got no Notice from either XXXX or XXXX payroll services, to allow me the opportunity to challenge the aledged debt. XXXX has all contact information for me. XXXX from XXXX stated they had no way to contact me. 
I asked for the supposed court order, but was never given it. I had to ask several times before I was given the Sheriff 's office who issued the writ and the unlawful debt collection agency ; XXXX XXXX. I called XXXX many times and to date, have not been able to speak to anyone. 
From the Sheriff 's office, I was able to view the Writ, and from what I read, this is supposedly a XXXX judgment order, in New Jersey [ court ], for which I never got Notice for such. I suspect the issue maybe an Identity theft one, as I have never had any accounts with the debtor. I checked the credit report for XXXX and nothing shows up for the said unlawful debt. I am waiting on reports from XXXX and XXXX, by mail. 

I truly have no idea what this is about, and I am unable to contact XXXX, to challenge the debt under 15 USC 1692g, and other debt challenges. This quite unfair and deceptive act and is causing me financial harm. 
Both XXXX and XXXX failed to notify me of this garnishment, putting me in stress and turmoil.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 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: MO

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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