vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please be advised that as of today, I have not received any response from your organization regarding my disputes with XXXX XXXX XXXX, Acct. # XXXX. This account is still being reported inaccurately. 

Numerous Follow up letters were sent and still went unanswered. 

Experian is in violation of the FCRA.

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 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
Gave a car back which was a lemon surrender the car was told it wouldnt affect my credit paid loan off in a settlement XXXX credit acceptance told me it would be remove still on credit as closed account but need to be REMOVE off credit report really effecting my credit but I paid off loan

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 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my multiple attempt to get this matter fixed but then again my request is still being disregarded. I would like you to review the docket number and type of public record because I have a feeling it is violating the Fair Credit Reporting Act. Additionally, this bankruptcy was dismissed. This is inaccurate, incomplete, and NOT VERIFIED! Delete this immediately! 

XXXX XXXX Bankruptcy Filing Date XX/XX/2016 Docket XXXXDischarged

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 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Hello I am a victim of identity theft. This will be my second complaint with you'll about incorrect item reporting on my credit report. TransUnion reports that I filed Chapter 7 Bankruptcy. I have valid documentations from the U.S Bankruptcy Court stating they are not reporting anything to the credit bureaus. I have a police report number stating I am a victim of identity theft. I have TWO signed notarized affidavit. I have TWO FTC Report Numbers. I have ONE previous report to CFPB. I mailed over a valid Driver License and my Social Security Card. I have made SEVERAL CALLS to TransUnion with NO HELP they even stated on the last call that they would contact the U.S Bankruptcy Courts themselves. I am now in CONTACT with a LAWYER TO FILE A LAWSUIT!!!!!!!!! 


THIS IS THE ONLY CREDIT BUREUA THAT'S REPORTING THIS INCORRECT 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 non-monetary relief
Consumer complaint received 2022-09-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Synchrony Bank for CareCredit continues to delay my right to due process by continuously attempting to collect a debt not obligated to be paid by me the consumer. They refuse to accept my Bill of Exchange as legal tender and has created an act of fraud. In doing so, Synchrony Bank continues to add interest fees and late fees to my account. I have made multiple attempts at settling this debt to no avail. They are refusing to respect their duties to consumers like myself and XXXX  me through email and text. 
See attached.

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 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX DBA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 XXXX : It also states a consumer reporting agency can not furnish an 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 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
My identity was used fraudulently on 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 explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Compattia Roccia Management Group, LLC
State: OK

Complaint narrative:
I specifically had told the company that acquired XXXX XXXX debt on XX/XX/22 that I had set up pymt arrangements. I then disconnected the call. He called back twice, the 2nd time I advised him he was violating the fdcpa laws. He argued, I advised again of the fscpa laws and disconnected.The 3rd time he stated my case would be escalated to legal action and then hung up on me and fscpa laws do not consist with my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: GA

Complaint narrative:
I have a debt collection in the amount of {$5700.00} from pro collection on my credit for an apartment ( XXXX XXXX  ) I have never lived or leased an apartment for. I have been wrongfully accused. I have filed multiple disputes and filed a police report. I have proof that was provided from the leasing office that I never lived there.

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 2022-09-08 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: IL

Complaint narrative:
I have two Accounts on my credit report that is Not mines. 

Account # XXXX XXXX XXXX is not my debt I called the Dealership informing them that I am not responsible for this debt. And to furnish me a letter bearing my signature that I open this account and XXXXDealership could not verify. I had no job in XXXX when this account was open. No credit. No bank account. No co signer documented for this loan. So there is no way I received a car loan for $ XXXX. 

Account # XXXX XXXX XXXX is not my Debt Open in XX/XX/XXXX- I have proof that I was XXXX the entire year of XXXX. 

Requesting to get these false inaccurate information Removed from my credit report. & I would also like to Update my address and name. Because there are addresses on my credit report that I have not lived at.

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 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have tried multiple times to dispute these bankruptcies on my credit file. This bankruptcy is reporting inaccurate and should be deleted. The third party XXXX XXXX has already deleted these bankruptcies. Im requesting for the credit bureaus to remove them from my credit file

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 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$170.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$170.00} XXXX XXXXXXXX XXXX Balance : {$2500.00} 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 non-monetary relief
Consumer complaint received 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate, monthly payment is inaccurate, and the balance is inaccurate. This is grounds for removal they also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigation as this dispute was sent on XX/XX/XXXX and received by the credit reporting agency on XX/XX/XXXX with no response. Tracking # XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
" My whole Family & XXXX XXXX XXXX XXXX XXXX XXXX & our Income has effected due to that reason. Moreover, I am under XXXX XXXX until XX/XX/XXXX as per my XXXX XXXX XXXX  Hence, I request for a Forbearance Extension due to the reasons mentioned above & please forward my this request exactly as mentioned above in this paragraph to the Investor of my Mortgage Loan for Forbearance Extension. '' XXXX XXXX, Supervisor from Shellpoint Mortgage Servicing told me on a Recorded Line that she submitted my request to the Investors of my Loan when I spoke to her on XX/XX/XXXX but I failed to receive any response from her after sending her several emails. I request a call back & email response from XXXX XXXX. 

I requested Management of Shellpoint Mortgage Servicing to contact me immediately & provide me the Law & Rules which states that I only can get 18 months of Forbearance Extensions irrespective of my XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX By FHA, Fair Lending Rules & Federal Rules Shellpoint Mortgage Servicing is Legally Obligated to share the Rules & Laws based on which they are declining my request for Consideration for Forbearance Extensions & not taking forward my request to the Investor of my Mortgage Loan. 

I received Forbearance Extension for my other 2 Mortgage Loans beyond 18 Months. In one Mortgage Loan, I received Forbearance Extensions for 21 Months & another Mortgage Loans I received Forbearance Extension for 22 Months where those Loans are backed by XXXX XXXX XXXX XXXX XXXX  respectively but unfortunately, Shellpoint Mortgage Servicing is not forwarding my request to the Investor of this Mortgage Loan who is XXXX XXXX. XXXX XXXX must have standard process for all Mortgage Loans. Hence, I request, demand & provide Legal Notice to Shellpoint Mortgage Servicing to forward my Forbearance Extensions Request to my Mortgage Loan Investor XXXX XXXX & let me know their response ASAP. 

I also requested Lawfully to Shellpoint Mortgage Servicing to not charge me any Late Fees until my Forbearance Extensions Request is Pending with the Investor of my Mortgage Loan & suppress the Negative Credit Reporting or face Legal Actions.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I noticed there are several incorrect, obsolete and unknown addresses reporting on my credit reports. I have sent two letter to all the credit reporters around XX/XX/XXXX and XX/XX/2022 ( regular mail ). asking each of them please remove them. 

30 days have long since passed, without any response or taking action to remove the obsolete or incorrect information requested. As we all know, this is a violation of the FCRA. I made two attempts and have not received any response from either.

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 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I noticed there are several incorrect, obsolete and unknown addresses reporting on my credit reports. I have sent two letter to all the credit reporters around XX/XX/XXXX and XX/XX/2022 ( regular mail ). asking each of them please remove them. 

30 days have long since passed, without any response or taking action to remove the obsolete or incorrect information requested. As we all know, this is a violation of the FCRA. I made two attempts and have not received any response from either.

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 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma, LLC
State: TN

Complaint narrative:
Around 2018 until now I have seen in credit karma that I was pre approved for loans and credit cards every time I logged into credit karma to check my credit score they would have a bunch of different pre approvals and refinancing capabilities I attempted to look into and applied for credit cards and loans. I am very upset at this false marketing that has been bestowed upon me.Years of having a account with credit karma thinking this company was helping me to move further in life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Please do not mark as a duplicate. This complaint is intended directly to Equifax. Your actions has caused me and my family mental anguish and your actions has stolen my identity, violated my consumer rights by rights to privacy and the obligation you have to maintain the security and confidentiality of my private information. Your actions are equivalent to AGGRAVATED IDENTITY THEFT. You have failed to comply and knowingly furnished these accounts without my consent, nor permissible purpose. 

( Please see attachments )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma, LLC
State: NC

Complaint narrative:
Up to XXXX to XXXX I seen a lot of advertising on Credit karma. They kept sending me all sorts of pre approvals telling me that I was pre approved for credit cards, personal loans and that I can refinance my car everyday. I would see these offers every time I logged in to check my credit scores. So after a few months of being told that I was pre approved I thought I was in the perfect place to apply. I got so many offers through credit karma I started telling my whole family about vacations and investments we were going to use these pre approvals for. So I applied in or around sometime in XXXX and I got denied for XXXX credit cards and a personal loan I was devastated. I was very upset. I felt lied too. I was marketed for months. Credit karma told me I was pre approved and they told me a blatant lie. I was severely stressed out. I was nauseous for weeks. I had headaches for weeks. Every time I seen I see pre approvals I turn off my phone because it has scared me away. Ive stopped checking my credit because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CarMax, Inc.
State: GA

Complaint narrative:
My identity was used fraudulently on XXXX. XXXX, 2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX i believe this company has violated code 15 USC 1692c B the communication with third parties. 
also i believe this company continues to report this account as every month in payment history as collection. once a account becomes a collection it is closed then sold.

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 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  i believe this company has violated code 15 USC 1692c B the communication with third parties. 
also i believe this company continues to report this account as every month in payment history as collection. once a account becomes a collection it is closed then sold.

Company response to consumer: Closed with explanation