vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway, I am requesting that those charges be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 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: EQUIFAX, INC.
State: PA

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway, I am requesting that those charges be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Ally Financial has fabricated a response to justify their failure to release my title after I paid the loan in full, following an unlawful repossession.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: SC

Complaint narrative:
Credit Resource Management is reporting a collection that doesn't belong to me to XXXX and XXXX. I have disputed the collection with XXXX and XXXX and both credit bureaus have failed to provide evidence about this account or to remove this account from my credit report. My initial dispute was on XX/XX/2023, nothing has changed and the collection remains in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America, in over 17 years - 2006 to present has done the following. Failure to provide proper XXXX interest deductions while committing tax fraud. Resolved by court decision. Paying down {$31000.00} in principal reduction in 17 years while paying over {$300000.00} in mortgage payments. Failure to allow fully amortized payments. Did not take the initiative to resolve the problem. Servicing a loan which they could not legally sell. Changed vital information on mortgage statements. Failed to return overpayment upon request. Usurped " or more '' provision. Failed to acknowledge ownership of note. Each monthly statement has four payment options. B of A has control over options to offer or deny that always favor the bank, taking advantage of XXXX XXXX XXXX XXXX XXXX customers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: LEXISNEXIS
State: TX

Complaint narrative:
CFPB I have attached email filter results showing the Lexis Nexis is untrustworthy and absolutely lying about having sent an email to me on XX/XX/XXXX. This type of violation and unprofessional conduct should not be tolerated and should be considered when judging this dispute. 


in CFPB Complaint : XXXX I provided the letters from the XXXX they claim represented me in the alleged Bankruptcy. Any reasonable court or judge will accept the denial of the alleged law-firm as sufficient evident to require deletion of these records from my credit profile. 

Lexis Nexis is outrageous with their stalling and lying. They fail to properly investigate my dispute. I investigated by contacting the court and the lawfirm and both of these entities say this is not my bankruptcy. Lexis Nexis is using incompetent people who can not read or speak XXXX at the necessary level to be able to provide fair and accurate reporting nor complete proper investigations. Please read the documents and understand. Its clear that you should just delete this and stop harming me! Call the XXXX lawyer that your false record says I used. 

They constantly tell lies and evade questions. 

I have attached the identification info they requested, but these folks know my profile and know that I am who I say I am. I am exhausted with them. They need to delete this record now. If Lexis Nexis fails to delete this record and send me a copy of the report showing removal. My lawyer will be filing lawsuits against them asking for fines, emotional damage, lost of wages, heath bills, etc as compensation for the back and forth constant disputing I have had to due for years fighting this false information they keep reporting!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 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: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
Never received a debt validation letter before affecting my credit and did not receive new letters till after credit was affected to even be aware of any supposed debt. I am requesting a full valid debt verification. I would like to see full itemized billing and agreement of debt. I would like all information produced by original furnisher produced to debt collector.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 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: MD

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2023-08-02 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: Self Financial Inc.
State: WI

Complaint narrative:
I was XXXX during the time of the opening of this account and I have contacted the creditor and they have not resolved this issue and its affecting my mortgage closing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: LA

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: PayTomorrow, LLC
State: CA

Complaint narrative:
This is in response to consumer complaint number XXXX. 

PayTomorrow has stated that this application is out of their jurisdiction and that I should contact XXXX in regards to the denied application. 

However after speaking with the XXXX XXXX XXXX at XXXX, he responded : " PayTomorrow is a platform and XXXX is the Lease to Own option on that Platform. Along with other lenders of which PayTomorrow is XXXX of them... They would have to respond about this notice as it is their notice to you '' Please provide me with a proper response and direct me to the right person of contact to approve my finance application at XXXX XXXX XXXX in XXXX, CA or I will be forced to file a small claims lawsuit with the state of California for breaching the Truth in the Lending Act and Equal Credit Opportunity Act for discrimination of the applicant on creditworthiness when the applicant clearly has the ability to contract as the social security number was ran through XXXX XXXX during the denial process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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:
According to FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ), I have the right to dispute any information on my credit report that I believe is not correct. I reserve the right to dispute any information that I deem to be inaccurate. If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and it's permissible purpose.I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] [ all XXXX credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : Account Name : [ XXXX XXXX XXXX  ] Account Number : [ XXXX ] Reason : [ not to my knowledge inquiry ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 

Thank you for your time and help in this matter. 

Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 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: CA

Complaint narrative:
I am a victim of identity theft as my social security number and my driver 's license has been compromised and there have been multiple unauthorized accounts opened under my name on my credit report. I have filled out an identity theft victim complaint and affidavit but am waiting for my new driver 's license in the mail in order to get it notarized. I have also been advised to file a police report, which I may file once I receive my new license in the mail. I have disputed multiple fraudulent accounts being reported on my credit with Experian, XXXX, and XXXX. The only bureau that has done right by my request/demand is XXXX. I am including a copy of my most recent XXXX credit report with the most up-to-date information. I am requesting that Experian and XXXX review the XXXX credit report I am attaching to this complaint and update my credit report EXACTLY how XXXX has done so! 

I am also attaching a subsection of the FCRA to justify these changes. 

Since XXXX has met my demands of updating my credit report to the current and correct information, Experian and XXXX MUST update my credit report exactly as such.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: NY

Complaint narrative:
I ( XXXX XXXX ) opened a credit card with XXXX XXXX XXXX Commenity Bank card on XX/XX/XXXX. I made a purchase of XXXX that day. I paid XXXX 's via online banking through XXXX on XX/XX/XXXX. My billing period, is due every month on the XXXX. In XX/XX/XXXX, I received a late fee bill for {$30.00}. I paid the {$30.00} via XXXX banking on XX/XX/XXXX. Then in the month of XX/XX/XXXX, I received a bill for XXXX dollars with another additional late fee. I then called XXXX 's XXXX XXXX # and was told that they never received a late fee payment. I offered to send over my bank statement to prove that I had, and they refused. I then asked to speak with a supervisor and was disconnected several times during this call. One of the workers I talked to was able to refund the initial late fee payment, after agreeing that my original payment on XX/XX/XXXX for {$42.00} was not late to begin ( as per banking this refund was post dated on XX/XX/XXXX ). I was then told that the second late fee would not be waived ( despite not having a balance which would constitute not payment due ). I now monthly continue to get a bill from XXXX and have called monthly to dispute with resolve. I will often ask for a supervisor and will be hung up on or placed on a hold and then disconnected. I last called XXXX 's on XX/XX/XXXX. I was on the phone with 4 different representatives whom refused to tell me there name and when asked for a supervisor would disconnect me. I did ask to close out my account and I also called XXXX 's Beauty Supply Costumer Service who said they can not help as it is through Commenity Bank. Today, XX/XX/XXXX, I received a bill for now {$130.00}. It should be noted that I did not make any other charges to this card aside from original purchase date. I am at a loss and do not know what to do. I filed a compliant on better business burerau and have not heard back. I am being falsely charged and I am in need of support. Please assist. Thank you for your time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-02 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: NJ

Complaint narrative:
Ive reported 5 hard inquiries that I did not give authorization for to Transunion and XXXX. XXXX dispute was successfully removed. The 5 that were not removed from Transunion were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to FCRA U.S.C 15 1681 there shouldnt be any damage on my consumer report, that shall cause defamation to my character.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: SC

Complaint narrative:
In XX/XX/2021, my wife and I were given a move out balance owed by XXXX XXXX XXXX XXXX XXXX. We paid the balance, moved out, and were never notified of owing any additional amount. 6 months later, we were contacted by Fair Collections & Outsourcing claiming we owed {$100.00} and this amount was instantly reported negatively on our credit reports without us having a chance to pay or dispute. The debt was never verified or explained what it was even for, but we were deceived into paying it as a settlement under the belief that this would result in it being deleted/removed from our credit report due to misleading statements by Fair Collections & Outsourcing. We have attempted to dispute it multiple times, but only XXXX has given us a fair dispute and removed it from our credit reports, XXXX and XXXX just believe whatever Fair Collections & Outsourcing tells them even though there is no proof for them to have allegedly verified. Fair Collections & Outsourcing has ignored the issue and any communication as they continue to pillage erroneous collections illegally.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
On XX/XX/2023, I submitted a fraudulent claim with XXXX XXXX XXXX XXXX ( Confirmation Number : XXXX ). As of XX/XX/2023, no progress has been made from XXXX XXXX investigation and it has been over 90 days without a resolution. Their records will show that I spoke with the fraud department on XX/XX/2023 and XX/XX/2023. XX/XX/2023, the rep submitted a request to expedite the process.

Company response to consumer: Closed with non-monetary relief