vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This has been an ongoing issue for years. Equifax refuses to release my information. They say that they can not verify my social security number. On XX/XX/XXXX I mailed a certified letter with XXXX that contained ; a cover letter stating what I needed done, a copy of my social security card, and a copy of my Florida Drivers License. They received the letter on XX/XX/XXXX. Certified mail tracking number XXXX. 

I called Equifax on XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX On calls XXXX and XXXX they informed me of the documents I needed. On calls XXXX I was told that it takes 5-10 business days for files to be processed. On calls XXXX, I was told to reach out to the lenders I have borrowed from and verify they report to Equifax. ( Below I have listed the XXXX lenders that I called to confirm if they report. ) On call XXXX I was told that they have not received anything from me. I gave them the certified mail number and asked them to explain why it hasn't been processed after a month, they would not answer. I was then told that because I'm not in their the system they can't do anything. When I asked how I create an account in their system, they said that it would be created as soon as lenders reported my information. I brought up that lenders have been reporting my credit since XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX They confirmed that they report to all 3 credit bureaus with my Social Security number . 

XXXX XXXX XXXX - They confirmed that they report to all 3 credit bureaus with my Social Security number.

Discover Bank - They confirmed that they report to all 3 credit bureaus with my Social Security number. 


Equifax client I was working with gave me their id as XXXX, XXXX XXXX, I

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BMW Financial Services NA, LLC
State: NY

Complaint narrative:
BMW Financial Services billed me for what they claim to be damages and monies owed on our XXXX XXXX  XXXX that was returned in XX/XX/XXXX. The vehicle was returned with XXXX less miles than originally agreed upon. The value of the vehicle is MUCH higher because the mileage was so low. They are claiming that I owe them $ XXXX for missing a scheduled service. They are claiming that I owe them for 4 new wheels because of a ridiculous standard that they set. They are claiming that minor scratches are expensive and need to be paid for. This vehicle was never involved in an accident and was returned in GREAT condition. They sent a " MAJOR DEROGATORY '' claim to major credit bureaus which lowered my EXCELLENT credit score by over 130 points affecting my ability to borrow money. They are bullying me as a consumer and think they can charge consumers any amount that they deem necessary at the end of their lease. This is not fair and I will not be taken advantage of. I need all negative items removed from my credit reports and my credit score restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: GA

Complaint narrative:
I mailed a letter to Equifax on XX/XX/XXXX to investigate the following : I have carefully reviewed my credit report and can't seem to make sense of some items you are reporting. I need you to take a look at the following items due to the fact that you are hurting my good name by reporting these inaccuracies. 

Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX How can there be 3 different dates of last activity listed? Equifax reports XX/XX/XXXX XXXX Reports XX/XX/XXXX and XXXX reports XX/XX/XXXX. Per FRCA laws, your agency must report accurate information on my credit report. According to this inaccuracy you are in clear violation of the FCRA. Delete for inaccurate data being furnished on my credit file. 
Send me a copy of my credit report once you have done my request. 
My concerns were never addressed, I received a notification on XX/XX/XXXX that my dispute results were available for review. The results were that this account was update. The only Item that was updated on my report was the date of dispute. The reporting agency did not acknowledge or provide an explanation to my questions or concerns. Ive been disputing the inaccuracies of this account for going on two years. The last complaint that I made about the agency was closed as the agency stated that information would be provided to me. After this complaint was closed the only notice that I received from this agency is they would not investigate this account again if I didnt provide another reason for dispute. However, Ive provided the agency with numerous inaccuracies regarding this account. From the date of last activity, high balance, balance owed, date of last payment, term length, and account status. I will not accept Equifax stating that they will provide me with more information in order to close this complaint. This agency needs to update this account with correct information or delete due to the inaccuracies. Saying that this matter has been initiated with the with the data furnisher will not do. I received a copy of my credit report from Equifax dated XX/XX/XXXX. Within this report all the Date of Last Activity is blank. Isnt this considered an error on my report? I ask that this investigation be reopened or Ill file yet another complaint against this company. Please review my previous complaints against this company due to their inability to provide facts of why these inaccuracies are still on my credit report. XXXX and XXXX are both complaints against this company for reporting inaccuracies on my report and CFPB closed these complaints are the company states that they initiated an investigation with the data furnisher. Have Equifax provide the proof of the previous investigation back in XXXX of XXXX and provide to both the CFPB and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
XXXX XXXX cancelled a flight booked and paid for in XX/XX/XXXX when the Covid rates rose in XX/XX/XXXX. They processed a refund of all six passengers ( my family ) on XX/XX/XXXX. In the meantime, the credit card [ CC ] company ( XXXX XXXX then Comenity ) blamed XXXX. XXXX blamed the CC company. I spent over twenty-five hours in phone calls between the companies. It has been an endless cycle of blaming the other party. XXXX finally sent over the refund receipts for all SIX transactions. They gave me the transaction ID numbers along with the credit amount posted on all the pdf. I was instructed to file disputes to force the credit, per the CC. XXXX sent me the refund receipts on XX/XX/XXXX. I filed these with the CC company. I have called back multiple times to have them " find '' my refunded money. Often I will get told XXXX is the problem. I have spent close to 26 hours on the phone between the CC and XXXX. However, magically, ONE of the credits appeared when the CC was sold from XXXX XXXX to Comenity in fall XXXX. When Comenity took over the account, my husband, the card holder, credit was posted on XX/XX/XXXX. I called back at that time and was told the other refund credits were probably there but did not get posted as they are marked with our family member 's names ( XXXX, XXXX, XXXX, XXXX, and XXXX XXXX and not XXXX, the card holder. The CC company has made close to {$400.00} in finance charges by NOT properly and swiftly crediting my account. Every time I call, I am told file a dispute and that takes close to 90 days and is ultimately denied. They have my money. They credited ONE of the SIX. They are not crediting the others while making close to {$400.00} off of not doing their job. I have no recourse between the finger pointing, the endless circle of phone transfer XXXX, and the waiting between denied disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: EQUIFAX, INC.
State: NH

Complaint narrative:
On XX/XX/22 I paid XXXX XXXX  {$470.00} as a settlement for XXXX. This meant the debt was paid in full and could not report as past due or with a balance anymore. I have disputed with XXXX and Equifax to have them remove this account due to violating my right to an accurate credit report. They continue to report it with a past due balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: KY

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-03-08 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: KY

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Continuous calls, Do not identify before asking for personal information. Very disrespectful and refused to answer questions. This debt has been sold at least twice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX billed me for what they claim to be damages and monies owed on our XXXX XXXX XXXX that was returned in XX/XX/XXXX. The vehicle was returned with XXXX less miles than originally agreed upon. The value of the vehicle is MUCH higher because the mileage was so low. They are claiming that I owe them $ XXXX for missing a scheduled service. They are claiming that I owe them for 4 new wheels because of a ridiculous standard that they set. They are claiming that minor scratches are expensive and need to be paid for. This vehicle was never involved in an accident and was returned in GREAT condition. They sent a " MAJOR DEROGATORY '' claim to major credit bureaus which lowered my EXCELLENT credit score by over 130 points affecting my ability to borrow money. They are bullying me as a consumer and think they can charge consumers any amount that they deem necessary at the end of their lease. This is not fair and I will not be taken advantage of. I need all negative items removed from my credit reports and my credit score restored.

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 2022-03-08 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: MN

Complaint narrative:
XXXX  sent a bill for collection to Credit Management , LP that does not belong to me. The bill is for a modem that my ex-husband did not return promptly back to XXXX. While the modem was returned on XX/XX/2021, Credit Management reported my name to the three credit bureaus : XXXX, XXXX and XXXX. This is preventing me from being able to move forward on a mortgage. 
First I called XXXX. They told me if I went to a XXXX XXXX, I could get a copy of a paid receipt showing the amount due is {$0.00} since my ex-husband returned the modem. Before I could go to the store, I had to make an appointment on-line. I wasn't able to get an appointment until XXXX pm. When I arrived for my appointment, there were 4 people working in the store, no customers. The workers told me they were " binge-watching '' XXXX. They also told me there was no way they could print anything out for me to show the balance due was {$0.00}. 
I called XXXX back. After getting no where with the first person, I spoke with a supervisor. She promised I would have something in the mail showing balance due {$0.00}, by the end of the week. It's been 2 weeks, I haven't received anything in the mail. She also said they would call Credit Management , LP to remove the account. 
I called Credit Management , LP to let them know this was not my bill and I needed them to remove my account from the three credit bureaus. They told me they sent it back to XXXX and show it as closed. When I asked them to follow up with the credit bureaus, they said there's nothing they can do because they don't have the account any longer. 
I called XXXX back and was told they don't report to the credit bureaus so they can't recall the collection reporting. They said Credit Management , LP does that. 
I am at a total loss as to how to get this off my credit report. 
I went to the XXXX website to " dispute '' the claim but their website wasn't working properly so I couldn't upload a copy of the original bill that shows it was in my ex-husband 's name and address. I called XXXX XXXX Relations and was told it may take up to 30 days for them to fix. In the meantime, interest rates on mortgages are going up. 
XXXX  and/or Credit Managment , LP reported me to the credit bureaus for a bill that is not mine and they will not correct the error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
checking my annual report and notice inquiry from another state on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: NY

Complaint narrative:
On XX/XX/ 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Porfolio Recovery, bought a debt from XXXX XXXX, but they have two different amounts on credit for the same company on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

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 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

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 2022-03-08 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: NY

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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