vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-05 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: KY

Complaint narrative:
I have made several attempts to get the information corrected. I was on income driven repayment and forbearance with my loans but they are still reporting delinquent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I have made several attempts to get the information corrected. I was on income driven repayment and forbearance with my loans but they are still reporting delinquent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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: TN

Complaint narrative:
I am requesting a proper re-investigation of the following accounts that have been reported back to my credit profile as verified. XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX. There are STILL accounts that are closed but open on another reporting agency. There are STILL accounts with 100 % payment history that have been confirmed to be true in favor of the collection company. My FCRA rights as a U.S citizen are STILL being blatantly violated and I am requesting that you do due diligence this time around. There was NO real investigation done, only a half-done one in which the reporting agency sided with the collector because of their business transactions I am assuming. Attached to my documents are excerpts from the FCRA bill that explains how and why I am entitled to a fair investigation and why items should be removed if they are not properly investigated and found to be 100 % accurate. 
PLEASE PROVIDE INFORMATION ON HOW YOU VERIFIED THESE ACCOUNTS! 

[ 15 U.S.C. 1681 ] states : if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; [ 15 U.S.C. 1681 ] states Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: International Computer Systems, Inc.
State: FL

Complaint narrative:
I sold my business, XXXX XXXX XXXX XXXX on XX/XX/XXXX. First Collection Services has been calling me countless times this year about a bill due to XXXX XXXX advertising. 
I explained that I sold the business and four people I talked to gave me the name of someone who signed the contract that 1. is not me 2. was signed a year after I sold the business. 
I have explained this many times and they have called me on XX/XX/XXXX XX/XX/XXXX XXXX, XXXX and XXXX and left messages in spite of my explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Its Hard Inquiries On My Report I Dont Recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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: Lentegrity Management, LLC
State: IL

Complaint narrative:
Its Hard Inquiries On My Report I Dont Recognize

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Allied Recovery Solutions, Inc.
State: VA

Complaint narrative:
I have received multiple letters from a company called ALLIED Recovery Solutions Incorporated. They claimed I was involved in a automobile accident on XXXX XX/XX/2022. This is untrue as I was not involved in any accident on that date. They said that I am liable for the damage to the vehicle. In one of the letters it claims that I did not carry liability insurance on the date of the loss. This untrue as I have always kept my insurance up to date. I have ignored the correspondence thus far, but am concerned as I was not involved in any vehicle accident on or around this date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute several hard inquiries that appear on my credit report. I believe these inquiries were made without my consent and are negatively impacting my credit score. 
I have carefully reviewed my credit report and have identified the following hard inquiries that I wish to dispute : * 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 2023-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
In XX/XX/2022 my wife ( we have a joint checking account ) signed and sent by ordinary mail a small check to a friend in upstate New York. The friend advised he had not received the check. We issued another check which he received. Believing that the missing check would soon be discovered by the postal service, we did not stop payment. On XX/XX/XXXX we were called, presumably by the scammer, claiming to be representing the collecting bank, that a check for $ XXXX had been presented and they had stopped it. Not true. I called our bank ( Huntington ) to report the call and checked our account to find that indeed Huntington had honored the check which had been processed electronically through XXXX  XXXX. The check had been washed with a new payee named together with a different amount. In short, the check was altered, then endorsed by the scammer who had set up a fake account. A few days after notifying our bank, we appeared to answer questions from the local rep and to fill out papers attesting to the facts. It has now been over 90 days since reporting this theft and Huntington has not yet restored the stolen amount. When I insisted that they replace the missing funds, Huntington replied that they could not do so yet because " XXXX  XXXX has a claim on their end. Cases can take 90-120 days ''. The Huntington new case number is : XXXX. This is a straightforward case of scamming and washing a check - and perhaps a quarrel between two banks - but an innocent customer should not be held hostage and in the middle of which party is responsible for the loss. I have asked for more information on the holdup and its reasons but have received none.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: United PanAm Financial Corp.
State: NJ

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX United Auto Credit Co has violated my rights. 

15 USC 1681 Section 602 states i have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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: OH

Complaint narrative:
I am a natural person, I a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. and they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax these accounts. 

Accounts : Inquiries : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX Mark : XXXX XXXXXXXX XXXX XXXX Balance : {$1200.00} Installment account : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$5000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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: FL

Complaint narrative:
Please see the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05 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: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I Have Few A Few Inquiries That I Dont Recognize And I Need Help Taking Them Off My Credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: TX

Complaint narrative:
I attempted to rent a home from a property management company. They misrepresented the property, we never took possession of it and were told we weren't financially responsible. I have a letter and receipt saying there is a {$0.00} balance. They offered us a different property, then withdrew it. 
We filed a complaint with XXXX  over the whole situation after they tried to bill for rent after the fact. The case is still open and we have communicated with Hunter Warfield aggressively, going as far as to continually send the updates from XXXX as we received them. The case is pending and the balance in question is part of the direct complaint. This is also being handled at the Attorney Generals office. 

They have ignored anything we have shared and wrongly placed this on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I've tried to resolve this issue with BANK of America NA concerning a conventional mortgage originated by XXXX  XXXX XXXX that said loan was pooled into a asset backed security called XXXX XXXX XXXX Certificates XXXX XXXX. This was not disclosed by XXXX  or Bank of America NA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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: NC

Complaint narrative:
I requested verification for XXXX debt reported on my credit report, and it returned as verified every time. I recently received a letter from XXXX about a credit report mistake. This error cost me a higher interest rate on my vehicles as well as my apartment search denials. I currently seeking a remedy to this in possible other errors

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: C/C Financial
State: KY

Complaint narrative:
I purchased furniture and used this company to finance. I went back and forth with the furniture store and the finance company because I received broken furniture and missing parts to a table I purchased. I was under the assumption this was fixed and now its showing up on my credit report. This isnt fair at all. Why would I pay for broken furniture or things that are missing parts?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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: NC

Complaint narrative:
I requested verification for XXXX debt reported on my credit report, and it returned as verified every time. I recently received a letter from XXXX about a credit report mistake. This error cost me a higher interest rate on my vehicles as well as my apartment search denials. I currently seeking a remedy to this in possible other errors

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05 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: NC

Complaint narrative:
I requested verification for XXXX debt reported on my credit report, and it returned as verified every time. I recently received a letter from XXXX about a credit report mistake. This error cost me a higher interest rate on my vehicles as well as my apartment search denials. I currently seeking a remedy to this in possible other errors

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute several hard inquiries that appear on my credit report. I believe these inquiries were made without my consent and are negatively impacting my credit score. 
I have carefully reviewed my credit report and have identified the following hard inquiries that I wish to dispute : * XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
My XXXXXXXX XXXX card was cancelled last year as I entered into a debt consolidation plan. I paid off this credit card myself on XX/XX/2022. Out of the blue, they sent me a bill with charges and fees due. I do not owe them anything, I have a XXXX BALANCE, CANCELLED CREDIT CARD that they are trying to bill me for. I do not have the credit card number because all of my cards were cancelled last year, some were paid off by me like this one and others are in a debt program.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
The Goldman Sachs Marcus card offered a {$150.00} statement credit upon reaching a certain spend limit within the first 90 days of opening which they failed to honor. After several letters to the office of the CEO, XXXX XXXX with no favorable result I cancelled the card. 

However, they continue to willingly and knowingly report false information to the credit bureaus by way of being listed as an open trade line on my credit profile. I consider this to be fraudulent in nature and may even have a negative effect upon my borrowing power since they continue to report the account as a potential liability. 

Caveat Emptor!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Servicing Solutions, LLC
State: FL

Complaint narrative:
We are sick and tired of getting phone calls when we have scheduled our car payments online within the grace period and we have never been 30days late, NEVER. 

We are new to Servicing Solutions and the car collections representatives fail to check the system before they harass you into making a car payment. I have asked for Supervisor after Supervisor after Supervisor to stop the phone calls, when there is a payment already scheduled for our car loans and yet the phone calls continue. 

My car payment was scheduled on XX/XX/2023 for the draft date of XX/XX/2023, I received telephone collection calls on XX/XX/2023, XX/XX/2023 and XX/XX/2023... THIS IS HARASSMENT SIMPLY BECAUSE Servicing Solutions representatives fail to read or review the appropriate system screen, IF THEY CALL ME AGAIN I AM GOING TO SEEK LEGAL ACTION...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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: NY

Complaint narrative:
I am reporting that there are some negative items in my credit profile, but I have not confirmed or accepted that these are accurate. I dispute these claims and demand that any negative information be removed from the reports immediately.The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true.After reviewing my report I noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I refute your allegations and challenge you to provide proof that you have the right to report this incomplete negative information about me. Document that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, you must remove them from my report.Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relatesAlso per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. XXXX - XXXX information about accounts or other relationships with a consumer that is accurate. XXXX - XXXX reasonable investigations of consumer disputesAccording to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate. This is important to remember because it affects the accuracy of any federally regulated reports.With that said! I found some mistakes and inaccuracies in your report and I would like to invoke my rights to dispute/challenge these inaccurate and non-compliant items. If you continue to report claims that are not perfect, it shows that you do not care about my rights as a consumer.I don't think it's fair for you to report on me in a way that isn't confirmed to be ethical and meets the standards of certified reporting.The following claims about me were not reported correctly and do not meet federal requirements

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I Feel Like I Was A Victim Of Hard And These Hard Inquiries Are Messing My Credit Up

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