vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-27 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: GA

Complaint narrative:
After numerous attempts to resolve this matter, I continue to be ignored! The credit reporting agency did not investigate and delete the items mentioned in the dispute and I haven't heard anything back from them. They responded back with I didn't include verifying information, like driver 's license and proof of address. This is definitely a stall tack tick and is not acceptable.

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 2022-04-27 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: Global Lending Services LLC
State: AL

Complaint narrative:
I have several credit inquires on my credit file that I do not recognize. I sent letters and emails to all the creditors listed below to have these inquires removed from my account. I have also disputed them through XXXX. These creditors have refused to work with me to resolve this issue and XXXX has not been able to help as well. I did not authorize or give permission for this creditors to pull my credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 ) - Global Lending Service ( XX/XX/2021 ) - XXXX XXXX XXXX XXXXXX/XX/2021 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: DriveTime
State: AL

Complaint narrative:
I have several credit inquires on my credit file that I do not recognize. I sent letters and emails to all the creditors listed below to have these inquires removed from my account. I have also disputed them through XXXX. These creditors have refused to work with me to resolve this issue and XXXX has not been able to help as well. I did not authorize or give permission for this creditors to pull my credit. 

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 ) - DT Credit ( XX/XX/2021 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: TX

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 XXXX i made this clear for 60 days straight with XXXX  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 explanation
Consumer complaint received 2022-04-27 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: CLGF Holdco 1, LLC
State: NJ

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, 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 2022-04-27 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: CARRINGTON MORTGAGE SERVICES, LLC
State: LA

Complaint narrative:
In accordance with the fair credit reporting act Carrington Mortgage Acct # 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. 

Account was in forbearance while it was being restructured was never late and now everything is up to date please assit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Yesterday XX/XX/2022, I attempted to cash a check that was drawn from Bank of America in the amount of {$8300.00}. Upon arrival at the Bank of America branch on XXXX XXXX and XXXX in XXXX they told me that I could not cash the check because I did not have my debit card. I did not have my debit card because I had opened the bank account on the XXXX of XXXX. They told me all I could do was deposit the check and wait for it to clear today XX/XX/XXXX. They would not even return the check to me so I could go cash it somewhere else. This morning XX/XX/XXXX, I attempted to withdraw funds from the same branch because I had looked online and the funds had been made available. When I got to the branch they told me that my checking account had been closed because they could not verify my identity. I tried to give them my driver 's license which is valid, they refused to accept that all that they told me was that the account was closed they put a hold on the funds and would mail me a check after the funds cleared on XX/XX/2022. I know that the funds were available because I was able to make a XXXX transfer  in the amount of {$55.00} successfully before I went to the branch. When I asked about the first check that I made a mobile deposit with in the amount of {$740.00}, I did not get a response from the banker or from anybody at customer service when I called them about this issue.

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 monetary relief
Consumer complaint received 2022-04-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: Santander Consumer USA Holdings Inc.
State: WI

Complaint narrative:
received a letter from chrysler capital regarding my leased XXXXXXXX XXXX XXXXXXXX. The letter stated that my lease was ending in 45 days and i needed to get ahold of the allegience team to inform them of what I wanted to do with the vehicle at the end of the lease. I contacted chrysler capital on XXXX XXXX to inquire about an extension to my lease as I broke my XXXX  and can not drive the vehicle at this time. I was told that they would make a request and to call back in 2 to 3 days to find out if it was approved. Called back on XX/XX/XXXX and was told that there was nothing noted in my file. was placed on hold and after about 10 minutes the customer service rep came back and told me that I would not be able to extend my lease UNLESS I had ordered a brand new XXXX and was waiting for delivery with a confirmation #. I don't want a new XXXX. I then inquired about purchasing the vehicle and was told to get ahold of the XXXX  team ( Chrysler capital lease option team ) to work that out with them. So i call the number for the XXXX  team and it immediately went back to chrysler capital. Chysler capital then informed me that I wasn't able to speak to the allegiance team. Im like, i paid all my payments and am current on the lease, whats the problem? I was simply told that I wasn't going to the allegiance team. They quoted me a payoff that was higher than the residual balance on my lease and then hung up. I don't believe chrysler capital wants to sell me my truck for the residual value ( XXXX ) because they want to get it back on the lot ASAP because the value on that truck in still around XXXX to XXXX. I paid over XXXX in lease payments. I would like to be able to discuss with someone the option to purchase my vehice after the lease ends.I keep buying/leasing XXXXXXXX XXXX and XXXX XXXX but have never been treated this bad in all the years I've dealt with them. Normally they've been pretty good, this time not so much. I know they have a shortage of vehicles and heard from enough people that they simply want all leased vehicles back because they are now suddenly worth way more than the residual value. ( the price i get it for at the end of the lease )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. 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 2022-04-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27 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: FL

Complaint narrative:
I checked my personal credit report, which I acquired from your organization on and I noticed that this unauthorized inquiries had been made 1. XXXX XXXX ( XXXX XXXX, XXXX ) 2. XXXX XXXX ( XXXX XXXX, XXXX ) 3. XXXX XXXX ( XXXX XXXX, XXXX ) 4. XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX, XXXX ) 5. XXXX XXXX XXXX  ( XXXX XXXX 6. XXXX XXXXXXXX XXXX ( XXXX XXXX, XXXX ) 7. XXXX XXXX ( XXXX XXXX, XXXX ) 8. XXXX ( XXXX XXXX, XXXX ) 9. XXXX XXXX XXXX ( XX/XX/XXXX XX/XX/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 2022-04-27 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I applied for a personal loan to furnish my apartment!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NC

Complaint narrative:
XXXX XXXX XXXX was a collection removed from my credit report ( XXXX, XXXX, XXXX ) on XX/XX/2021. This debt was deemed inaccurate all credit bureaus and XXXX XXXX XXXX  we involved in the investigation when this collection was disputed from my credit reports and just recently it has now been replaced or reported back on my credit reports with no explanation or reason why it should be reported. This is inaccurate and has already been removed before and is against my fair consumer credit rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
In accordance with the fair credit reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Has all validated my rights 15 U.S.C 1681 Section 602 states I have the rights to privacy.

15 U.S.C 1681 Sectign 604 A Section 2 : It also States a customer 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 2022-04-27 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : U S DEPT OF EDXXXX / {$3000.00} / XX/XX/2022 U S DEPT OF EDXXXX XXXX {$6000.00} XXXX XX/XX/2022 U S DEPT OF ED/XXXX  / {$8300.00} XXXX XX/XX/2022 U S DEPT OF EDXXXX / {$6100.00} / XX/XX/2022 U S DEPT OF ED/XXXX XXXX {$2500.00} XXXX XX/XX/2022 U S DEPT OF ED/XXXX / {$5000.00} XXXX XX/XX/2022 U S DEPT OF ED/XXXX / {$3900.00} / XX/XX/2022 U S DEPT OF EDXXXX XXXX {$2500.00} / XX/XX/2022 U S DEPT OF EDXXXX XXXX {$6200.00} XXXX XX/XX/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 explanation
Consumer complaint received 2022-04-27 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: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
Who, What, When, Where, Why, and How?

I am Authorizing this Dispute I was contacted by a notice by CB/Express attempting to collect a late payment debt that I am unaware of seeing that I always make my payments ontime so I am not agreeing with this information. They reported negative and defaming information to my credit report beginning XX/XX/2022. I have not received and sufficient information in order to validate this matter. I do not agree with their actions. i have challenged the accuracy and integrity of the information. 12 CFR 1022.41 ( a ) States Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.

12 CFR 1022.41 ( d ) States also Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 XXXX 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXX 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 2022-04-27 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: TX

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 XXXX i made this clear for 60 days straight with XXXX 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 XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: FL

Complaint narrative:
I checked my personal credit report, which I acquired from your organization on and I noticed that this unauthorized inquiries had been made 1. XXXX ( XXXX XXXX, XXXX ) 2. XXXXXXXX XXXX  XXXX ( XXXX XXXX, XXXX ) 3. XXXX ( XXXX XXXX, XXXX ) 4. XXXX XXXX XXXX ( XXXX XXXX, XXXX ) 5. XXXX ( XX/XX/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 non-monetary relief
Consumer complaint received 2022-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
in accordance with the fair reporting act XXXX account # XXXX, has violated my rights.

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

15 USC 1681 section 602 A SSection 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