vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
XXXX of XXXX, I purchased a used vehicle and Ally Financial was the chosen financial company. Every since I have started making my payments, I have gone online and schedule my payments, the funds leave my account 3 days later and it is posted on my account page with this company as being completed. Since I am refusing to talk to them to schedule my payments, they have been sending false information to the 3 credit bureaus ' stating that my payments are 30, 60 and 90 days late. When I reported them to XXXX, I was sent a letter telling me that even though it shows on my account on their website as my payments being completed, they are trying to tell me that they didn't receive my payments until 3 months later. That is false. I have tried to trade this vehicle in so that I can get out from under them, they block me by reporting false information about my payments. When I tried to refinance my vehicle through another company, they block me by reporting that I have missed payments, that I am behind in my payments, knowing that these companies will turn my request down. I have tried to straighten this out with the company through XXXX  but again, they are refusing to correct their false information and they continue to harass me by calling my phone twice a day, leaving messages wanting me to call them about my past due payments. They some how got my XXXX  phone number and started calling and leaving messages on his phone. He is XXXX XXXX XXXX. If I was behind like they claim, why do I still have my vehicle? The proof of their lies is on my account under " Transaction History '' but they all need to be fired at this company since none of them can see the truth that is on my account page. I want their lies, harassment and false information to be corrected so that I can get out from under them. This company doesn't need to be in business at all. I have also found other people that was under them stating that they were done the same way. I will continue scheduling my payments online until they block me from that way again. I want out from under this company and if I have to hire an attorney to sue them, I will.

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 2023-11-04 00:00:00
Product: Credit reporting 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: MI

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain 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 non-monetary relief
Consumer complaint received 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain 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 2023-11-04 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: TRUIST FINANCIAL CORPORATION
State: AZ

Complaint narrative:
XX/XX/XXXX - Car loan was paid off in full to Truist Bank XX/XX/XXXX - Loan was transferred to XXXX XXXX ( according to bank ) XX/XX/XXXX- Not having received my title, I tried accessing my account and discovered I could no longer access. I then called the bank to inquire about when I was going to receive my title, and was told they would create a case number and to check back in a week. XXXX weeks later, I called back and was told they were still working on it and they provided a case # and to call back in a week. 

XX/XX/XXXX - I received an Affidavit By XXXX  XXXX XXXX from Truist Bank, signed by the bank and witnessed by a Notary Public, confirming the lien was satisfied. I called the bank to ask about the title and they told me the process was stuck at Arizona Department of Motor Vehicles but to call back in 14 days. 

XX/XX/XXXX - I called the bank to ask status of the title and they assured me someone was working on it and to call back. I tried getting a contact name so I could call directly. They provided a first name, but could not give me the last name because of policy. They also told me they had no direct numbers to the people I had worked with before. 

XX/XX/XXXX - Called bank to get status, they advised it was still stuck at AZ DMV, told me to call back on XX/XX/XXXX. 

XX/XX/XXXX - Called back to get status, bank advised they were still working on it. I requested to speak to a supervisor. They gave me a the supervisors first name and told me they would call back. The supervisor called me back but the call dropped and I was not able to talk to her. She left me a voice mail, explaining they opened a new case number and that I should call back within XXXX days. By coincidence, I checked my mail and found another notarized document from XXXX, dated XX/XX/XXXX. This time it was entitled, XXXX XXXX Texas XXXX XXXX, but the vehicle description was wrong, the XXXX had an extra digit, the title number was different, preparer was different. I called the bank back to tell them about the XXXX conflicting Affidavits, and advised I wanted to file a complaint the story Im getting is inconsistent. They told me that they would file a complaint for me ( another case number ). 

Ive never made a late payment and paid my loan in full. I learned that I should be receiving my title XXXX days after loan is paid off and its been almost 6 months and I still dont have it. Im going to file another complaint with XXXX also because I feel this is wrong and am worried I may never get my title.

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 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My sister and I are XXXX and somehow our credit scores are merged. We have similar names and have worked at similar locations, lived in the same home and attended the same schools. I am currently married, trying to find a house and purchase a car in the next few years, but her credit card and student loans are negatively affecting my credit score and preventing me from doing anything. The credit bureau companies XXXX and XXXX sent out letters with all the information and credit lines associated with the account.

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 2023-11-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: KY

Complaint narrative:
On XX/XX/XXXX, I submitted my first student loan payment in full of {$53.00} to Aidvantage. I never got an email saying my payment was denied. I checked my account on XX/XX/XXXX, and noticed it was saying I was late on my {$53.00} and was issued a delinquent warning for my credit. I then decided to submit a new payment of {$100.00}, to cover the late amount and the same amount for XXXX. Today, XX/XX/XXXX I checked my account again, and that payment was also rejected stating, Unable to locate account. I double checked my banking information, and it is all correct, but theyre are reversing the payment. I now have two notices for delinquent warnings when I have made my payment on time and used correct banking information. I am very concerned that this will affect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Credit reporting 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: MI

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Love, Beal & Nixon, P.C.
State: OK

Complaint narrative:
Papers came in the mail today that i have court for a debt that's 6 years old. The last known action on this account was XX/XX/2017, according to the debt collector. That makes this debt past the statute of limitations, of 5 years, in Oklahoma. I'm unsure how they are still able to move forward in court if they're not following the law in Oklahoma. Yet they have a date set for court that I'm supposed to attend. I have not been given confirmation of the account or any debt account validation. They have my age listed as XXXX and I'm XXXX XXXX XXXX. This is predatory behavior on their part. How do I stop this legally? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Because Experian wont properly investigate my dispute, XXXX XXXX XXXX ( # XXXX ) is reporting fraudulently on my credit. My identity was stolen and I never signed a contract to allow XXXX XXXX XXXX to access my credit report in the first place. When i disputed the account, Experian responded that the debt is verified. I asked several times for the documentation used to verify this account and I never got any response. With this account, Experian is violating my rights by : * Failing to investigate and correct inaccuracies in response to my dispute * Failing to conduct a reasonable investigation when verifying information with a data furnisher * Reporting inaccurate information about a consumer 's credit history. 
* Allowing unauthorised access to a consumer 's credit report For violations related to failing to investigate and correct inaccuracies or failing to conduct a reasonable investigation when verifying information with a data furnisher, I am entitled to recover damages. 

I am prepared to work with Experian in good faith to resolve this matter amicably. However, if a satisfactory resolution is not reached, I am prepared to pursue legal remedies available under the FCRA to protect my rights.

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 2023-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliance One, Inc.
State: FL

Complaint narrative:
I have received A letter dated XX/XX/2023 from AllianceOnce Recievables Management XXXX XXXX stating they are a debt collector attempting to collect a debt for {$220.00} .I do not have any responsibility for the debt that they are trying to collect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: CA

Complaint narrative:
I was contacted last year from Credit Control , LLC trying to collect debt on behalf of XXXX XXXX XXXX in regards to a debt owed to XXXX. I sent them written communication and emailed them aswell the following : " To whom it may concern : I am writing to you because I received the letter attached. I don't owe anyone XXXX. I have disputed this collection from my credit report and has been removed from my account since this is not my debt. 

Please forward me any documentation providing proof that this debt is mine and that I applied with XXXX XXXX XXXX. If you can not provide this documentation, then please stop contacting me. 
Sincerely, XXXX XXXX XXXX XXXX' I attached the original letter, my driver 's license, last 4 of my social, complete name and home address to facilitate verification on their end. I called right after to confirm with a representative if they received atleast my email which was confirmed. They later replied back with the following response : " Thank you for contacting us and sharing your concern.

To assist, we will request verification of this debt from our client. Credit Control or our client will mail the validation to the current address we have on file. Collection activity on your account has been placed on hold and will only continue after verification has been sent to you. If you would like to provide further details regarding your concern, please send an e-mail to : XXXX Please allow at least 30 days to receive a response '' Which they did not respond because there should not be any proof that this debt is mine. Fast forward to now, I received a similar letter. The wording is the same however they provided a new reference number, same debt, same alleged creditor, etc. This is multiple violations under the FDCPA. They didn't respond in a timely manner and they DID NOT provide proof that the debt is mine. I wish to not be contacted nor harassed moving forward. The email conversation has been attached along with the 2 letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have found inaccurate personal information and Addresses on my credit profile.

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 2023-11-04 00:00:00
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

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.

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 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 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

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.

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 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I initiated a dispute on XX/XX/2023 with XXXX to remove information from my credit report that unknown and suspicious. The account shows inaccurate information and I can not confirm this is my account. When I asked for the account to be remove I receive no action and no response. The account shows a balance due and it is also reporting as a collection/charge-off. Since the account is inaccurate it must be removed because it can not be proven that it is my account with inaccurate information. Remove this account immediately. I also never received any notice that this matter was being investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681, section 604a, section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 16, 66b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

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 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681, section 604a, section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 16, 66b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

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