vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-31 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: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I opened a complaint with CFPB, however the issue was closed without reviewing the complaint. The company responded with an original contract which was 'not ' my complaint. The complaint is related to the debt being too old to be on my credit 'AND ' when I filed a dispute about it on XX/XX/XXXX, the company updated the record reducing the owing balance by {$1.00} to manipulate the system to cause my credit to drop over 45 points. 

Complaint # XXXX : On XX/XX/XXXX, I submitted a dispute through XXXX XXXX and XXXX for an  Ally Financial account on my account that is too old to be on my report. On XX/XX/XXXX, when the investigation was concluded Ally Financial updated my credit file as if a payment was recently made for {$1.00} to manipulate the system in negatively impacting my credit. This caused my credit rate to decline by 45 points. This is an unfair and inaccurate way the creditor is attempting to burden my credit report unscrupulously and violates my rights under the FCRA. I am requesting this account be removed in totality please.

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 2022-05-31 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
i went to a car dealership and purcase a car in my business name only with my tax ein number i have good business credit the dealer told me that they will not use my social number to buy but four verification only so it was done i got my company car in my company name one month later i check my credit report and had alot of inquiries i did not authorize { 1 } XXXX XXXX { 2 } XXXX XXXX { 3 } XXXX XXXX XXXX  { 4 } bank of america { 5 } 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 2022-05-31 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
i went to a car dealership and purcase a car in my business name only with my tax ein number i have good business credit the dealer told me that they will not use my social number to buy but four verification only so it was done i got my company car in my company name one month later i check my credit report and had alot of inquiries i did not authorize { 1 } XXXX XXXX { 2 } XXXX XXXX { 3 } truist dealer servic { 4 } XXXX XXXX XXXX { 5 } 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 2022-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: The Receivable Management Services LLC
State: AL

Complaint narrative:
THE RECEIVABLE MANAGEMEN XXXX XXXX XXXX XXXX, PA XXXX They are reporting to my credit and this was paid though bankruptcie

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 2022-05-31 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: PA

Complaint narrative:
Equifax like the other 2 bureaus was notified by XXXX XXXX to delete an account which we came to an agreement and completely resolved, but EQUIFAX continues to falsely report items. 
Amount : {$970.00} - Unknown Account Number - Original Debtor - XXXX XXXX Equifax has not taken any action for over 90 days now for both XXXX  and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 non-monetary relief
Consumer complaint received 2022-05-31 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: OH

Complaint narrative:
On XX/XX/2022, several hard inquiries were made to my credit that I did not initiate. 

1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, VA XXXX ( There are also several soft inquiries made to my account under XXXX XXXX 's name ) 2 ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH, XXXX Upon calling XXXX XXXX to inquire about this inquiry and to report it as fraud, they informed me that there were not any accounts that currently appeared under my name and that I should send a letter detailing the issues to them. I have initiated a dispute through XXXX to these inquiries and will do so on other reports.

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 2022-05-31 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
On XX/XX/2022, several hard inquiries were made to my credit that I did not initiate. 

1 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, VA XXXX ( There are also several soft inquiries made to my account under XXXX XXXX 's name ) 2 ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, OH, XXXX Upon calling XXXX XXXX to inquire about this inquiry and to report it as fraud, they informed me that there were not any accounts that currently appeared under my name and that I should send a letter detailing the issues to them. I have initiated a dispute through XXXX to these inquiries and will do so on other reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-31 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: IL

Complaint narrative:
I HAVE ADDRESSED THESE UNAUTHORIZED INQUIRIES WITH TRANSUNION & CURRENTLY SEEKING VALIDATION FOR THE UNAUTHORIZED INQUIRIES, I HAVE NO CLUE WHY THEY ARE ON MY REPORT & I AM ASKING THAT THEY ARE REMOVED IMMEDIATELY, I AM ALSO PURSUING 1ST TIME MORTGAGE APPROVAL WHICH THESE UNAUTHORIZED INQUIRIES ARE HINDERING

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 2022-05-31 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: MD

Complaint narrative:
Equifax is reinserting accounts on my credit report. Accounts that I have disputed that was inaccurate was deleted and then reinserted without any notification from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is in violation of the FCRA by blocking my online access to credit & dispute results. This prevents me from readily accessing my reports, I believe this is being done as a tactic to prevent further disputes on inaccurate information

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 2022-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
Flagstar Bank is the mortgage company. Loan Origination XX/XX/2021. Automatic payment set up thru my XXXX  XXXX XXXX. Since Flagstar Bank does not accept direct payments, XXXX  XXXX XXXX needs to send a check every month. I don't look at my statements since its paid automatically and Flagstar had increased the escrow portion of my payment. In XXXX, they started calling stating they were collected a debt like the entire payment was missed. I called and immediately sent them and additional {$420.00}. They were charging me a late fee of {$83.00}. My principle and interest was paid in full only the escrow amount was short. They do not even have to make an escrow payment till XXXX so they were not out anything. When talking with them on the phone they told me the incorrect amount {$3200.00}. The right amount was {$3200.00} so the next payment was short and they charged another late fee of {$83.00}! I have since corrected the amount but Flagstar is refusing to waive the late fee.

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 2022-05-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
Freedom Mortgage has reported that they started foreclosure on my home while I was being considered for a loan modification. They are also charging me foreclosure fees, The foreclosure should have never been started during my process of trying to get a loan modification through the loss mitigation department. All requested paperwork was submitted multiple times and I also worked with a supervisor that sent all requested documents as well.

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 2022-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: MO

Complaint narrative:
I sold and shipped a mountain bike to the buyer. It was delivered XX/XX/22 3 months after delivery the buyer opened a case via XXXX. 
I provided Tracking # and proof of delivery to XXXX and XXXX decided the case in my favor ( seller ) On XX/XX/22. Pictures of the bike were also provided. 

A few weeks later a chargeback was filed by the buyer. Wouldnt the buyer have raised issue with the transaction at time of delivery. Not 3 months after? 

Its been 6 months since I sold the bike. 
I received a collections letter today. 

How is this legal? I sold and delivered ( shipped ) the bike exactly as described. The buyer received the bike in satisfactory condition, has been using the bike. The buyer has the bike still and has scammed his money back from the credit card company which is now sending me collections letters even though XXXX decided in my favor. It was an expensive bike, nearly {$5000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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: VA

Complaint narrative:
I submitted a letter to the Experian XX/XX/2022 to remove these suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. 

XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2022-05-31 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: MD

Complaint narrative:
To Whom This May Concern, I XXXX XXXX XXXX is attaching this complaint against TransUnion Credit Reporting Agency for allowing fraudulent inquiries on my Credit Report. 

Please find attached my ID, the complaint, and the letter confirming that they have deleted the inquiries and an invoice with the remedy requested I am submitting this claim on behalf of myself with a sound mind. 

The requested remedy is attached to my complaint.

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 2022-05-31 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: NV

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-05-31 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: AZ

Complaint narrative:
Fraudulent inquires reporting on my credit, that I do not apply for. 

XXXX XXXX - XXXX XXXX 2022 XXXX XXXX XXXX - XXXX XXXX 2022

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 2022-05-31 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Every single time I try to get an Experian credit report at XXXX, I see a screen saying " a condition exists '' preventing me from getting the report. ( See attached. ) This happens in XXXX, XXXX and XXXX. This is ONLY an issue with Experian -- the site works perfectly for XXXX and XXXX. The " condition exists '' page offers no more information and no timetable to resolve the " condition. '' In addition, on XX/XX/2022, information from my account at XXXX XXXX Bank said that Experian ( and ONLY Experian ) claimed I made three new credit applications within six months. THIS IS FALSE. The other credit bureaus do not show this. On XX/XX/XXXX, I wrote to Experian pointing out the error about credit applications AND the constant " condition exists '' message that ONLY comes from Experian. I attached screenshots of the " condition exists '' message and the XXXX XXXX page. It has been five weeks and Experian has never responded or acknowledged receipt of my letter and attachments. Today, XX/XX/XXXX, I went to XXXX, and AGAIN when I tried to get an Experian report, I AGAIN got the " condition exists '' message. AGAIN this is not a problem with XXXX or XXXX -- only Experian. THIS IS NOT A COMPLAINT ABOUT XXXX XXXX ... .ONLY ABOUT EXPERIAN 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 2022-05-31 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: GA

Complaint narrative:
I have disputed with Equifax numerous times with no resolve. These accounts incorrectly show as deferred. These accounts, i am no longer liable for due to debt forgiveness. These accounts should be reflected as XXXX balance, XXXX owed, and not deferred. 
US. Dept of Education Acct # XXXX {$33.00}, XXXX US. Dept of Education Acct # XXXX {$13.00}, XXXX US. Dept of Education Acct # XXXX {$45.00}, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: DE

Complaint narrative:
Southwest Credit Systems has report an alleged debt to the CRA 's without sending me a notice to dispute or any information so that I could verify the debt. This is a violation of my consumer rights. 

If your offices still believe that I own the debt, I respectfully request that you provide me with competent evidence that I have any legal obligation to pay the alleged debt to your company, original creditor, or anyone else. See the attached document ; Please validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) ; Please provide a valid basis for the debt, such as the original contract/agreement/promissory note between me and the original creditor, bearing my wet-ink signature; Please provide a verified ( sworn to by Affidavit ) copy of the contract your firm has with the original creditor, authorizing your firm to engage in collection activities on their behalf against the above-alleged account. 

Please provide a verified certificate of authority, and/or proof that your company are licensed to collect in my State. 

Please provide the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as XXXX XXXX balance sheet ( XXXX # 's XXXX, XXXX, XXXX ), XXXX OID report, XXXX registration statement, XXXX prospectus, RC-S, and RC-B call schedules. 

Please provide proof that the alleged debt has not already been satisfied by any means available including but not limited to, a Tax write-off, an Insurance Claim or selling the purported debt to third party debt collector ;

Company response to consumer: Closed with explanation