vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Dear Sir/Madam : I originally went to a dentist to get work done. They stated I could finance the amount it would cost. Ally Lending sent me the agreement which in essence stated that if I paid the amount in full within 6 months, there would be no interest. 

Pursuant to the original agreement, this debt was completely paid off prior to the 6 months ( From XX/XX/2021 to XX/XX/2021, and therefore, should not only have zero interest. However, Ally will not remove interest and has even charged a late fee. While the amount they claim owed is around {$150.00} and could be considered a nuisance amount, I will not pay what I do not owe. I have sent statements and letters to the company. They ignore everything. They email, mail, call, etc. for this amount. It seems they lure the customer into their 'no interest ' agreement and then they do not abide by it and attempt to get an amount afterwards they think people will not fight. 

If they do this to enough people, they will likely and have likely made millions of dollars which they are not owed. I'm an attorney, and therefore, will not be intimidated by their tactics. However, others will and this must stop. It is fraudulent and deceptive. 

Their own initial documents have an entire section on " I have an Interest Promotion ''. This was the only reason I financed this amount through Ally. I have paid everything by XX/XX/2021, before Promotion Period i.e. XX/XX/2021. 

Therefore, the current bill that Ally keeps trying to collect needs to be credited in its entirety and I have asked for written confirmation. I have also informed Ally that If any of this is reported to any credit bureau, I will immediately dispute and contact both the XXXX XXXX XXXX and the appropriate California governmental agency for fraudulently advertising there will be no interest should the debt be paid off and then proceed to charge interest and a late fee. 

I sent same letter on your above address on XX/XX/2021 giving all facts and documents but in spite of that I am still getting reminders and alerts from yAlly, but to no avail. 

The bottom line : A. Ally lures customers in with no interest loans if paid off in 6 months ; B. Even if paid off in 6 months, they accrue interest and penalties ; C. Ally goes after customer in multiple ways to try to collect a debt that is not due. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Transunion {$12000.00} XXXX {$12000.00} XXXX : XXXX Last Reported : Transunion XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Date Last Active : Transunion XX/XX/XXXX XXXX XX/XX/XXXX XXXX Times XX/XX/XXXX days late Transunion XXXX XXXX XXXX ( different on different sites ) XXXX XXXX A ) As you can see I'm making my complaint because the credit bureaus are reporting inconsistent and inaccurate repossession information that are damaging my credit report. 
B ) Other information is inaccurate also which means the negative item on my my report is illegal and against the Fair Credit Reporting Act. 

I HAVE SENT OUT AND CALLED MULTIPLES TIMES REGARDING THIS MATTER AND HAVE NOT RECEIVED ANY INFORMATION BACK.

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 2022-02-15 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX Experian XXXX Account Type : Account Type - Detail : XXXX Installment account XXXX XXXX XXXX Experian Installment High Credit : XXXX {$12000.00} XXXX {$12000.00} Experian : 0 Last Reported : XXXX XX/XX/XXXX XXXX XX/XX/XXXX Experian XX/XX/XXXX Date Last Active : XXXX XX/XX/XXXX XXXX XX/XX/XXXX ExperianXX/XX/XXXX Times 30/60/90 days late XXXX 0/0/0 XXXX XXXX ( different on different sites ) Experian XXXX A ) As you can see I'm making my complaint because the credit bureaus are reporting inconsistent and inaccurate repossession information that are damaging my credit report. 
B ) Other information is inaccurate also which means the negative item on my my report is illegal and against the Fair Credit Reporting Act. 

I HAVE SENT OUT AND CALLED MULTIPLES TIMES REGARDING THIS MATTER AND HAVE NOT RECEIVED ANY INFORMATION BACK.

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 2022-02-15 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: The CMI Group, Inc.
State: CA

Complaint narrative:
I had an outstanding bill at XXXX for XXXX. I paid the full bill to their assignede collection agency Credit Management XXXX on XX/XX/2022. On XX/XX/2022 I was notified by XXXX XXXX XXXX that they had received a new collection account for the same XXXX bill. I sent a copy of the bank statements to XXXX showing the bill had been paid. I also contacted Credit Management on XX/XX/2022, they would not accept responsibility for their own error in not sending the paid account information to XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: GA

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting 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 non-monetary relief
Consumer complaint received 2022-02-15 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:
Please remove these fraudulent accounts listed in the dispute letters attached. I sent this company my dispute stating these accounts were fraudulent. It is XX/XX/2022 and the accounts are still showing on my credit report. THAT IS ILLEGAL UNDER FCRA 605B LAW. you are criminally & civilly liable.

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 2022-02-15 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:
Please remove these fraudulent accounts listed in the dispute letters attached. I sent this company my dispute stating these accounts were fraudulent. It is XX/XX/2022 and the accounts are still showing on my credit report. THAT IS ILLEGAL UNDER FCRA 605B LAW. you are criminally & civilly liable.

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 2022-02-15 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: MI

Complaint narrative:
I, XXXX XXXX, Living Person, And Original creditor have solely made this complaint and if stated otherwise would be intentional willful neglect. I have supporting documents presented in this complaint that establishes that the corporations mentioned in said complaints have committed fraud against me since as far back as 2014. This is totally unacceptable and you must hold these companies responsible as they feel they are ABOVE THE LAW and taking advantage of me and my REPUTATION. The accounts listed in the supporting documents of this complaint CLEARY show that the accounts are not mine and are fraudulent. Pursuant to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting on my consumer 's file. I am telling you my hand on the bible that this is information will not be blocked in error. My FTC report and affidavit of truth attached are proof that nothing I have stated is false. As your Bureau is here to protect my consumer 's rights I am requesting that you force these corporations to remove ALL negative remarks on my consumers file. All of this information MUST be blocked within 4 days of this complaint per the LAW. If this fraudulent activity continues I will be forced to start LITIGATION. If you believe that I've obtained possession of goods, services, or money as a result of information to be blocked, have your executive member or the company put it in an affidavit of truth notarized. Thanks for your cooperation in this matter. I am XXXX XXXX and I am submitting this complaint MYSELF and there is no third party involved. This complaint should not be closed at any time for authorization needed. This submitted complaint with attached documents will be my written authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: OH

Complaint narrative:
The company is XXXX, which I found when my credit score dropped. I have never had an account, inquired about one, never had any association with this company. I now, XX/XX/XXXX, Since XX/XX/XXXX, still have this reported on my credit report as a delinquent account for the past 4 months will no help to look into this. I have contacted XXXX, the first 3 times I was actually told that there was no account, and they confirmed not finding any accounts under my information. I asked for a letter stated this to turn into Experian, never received anything. I have called Experian, filed numerous disputes, one after another, even while they were still under dispute. I also contacted Experian by phone several times, and by mail. Since this started, I now have the delinquent status over 90 days, been turned down for XXXX loans I was trying to acquire. I just started a business, this impacted the business accounts that I was working through. XXXX slowly got my information each time I called to have this matter resolved, and actually used it to attach to this account. Both Experian and XXXX tried to help, listen, or otherwise care what it was doing to my personal status. I have a 100 % on time payment history with 4 different accounts, why on earth would I use this company first of all, and why would I risk or harm my history of excellent standing with the creditors from which I hold actual legitimate accounts. That should have been the first red flag to Experian that something didn't look right. Instead they blew me off, their only offer of any kind of help was to tell me to file a dispute, and then proceeded to ask me to submit supporting documents/information. Well that would be fine not to mention a simple solution except I NEVER had an account with XXXX  therefore what was it they supposed I should come up with to confirm??? Well, I can count on two hands the number of disputes, back to back and during the others. HINT! Red flag number two!! It is a very sad situation to have to feel so helpless when you are supposed to have trust in the credit reporting companies, and even sadder when your livelihood is left in their hands. I can't go back in time and restart my business, let alone the years it took to get my credit to where it was. I took much pride in accomplishing that score and accumulating history to back up my good standing, and now I am left with anger, disgust and a sour taste for future dealings with our credit reporting system.

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 2022-02-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in 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 explanation
Consumer complaint received 2022-02-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in 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 2022-02-15 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: MI

Complaint narrative:
I, XXXX XXXX, Living Person, And Original creditor have solely made this complaint and if stated otherwise would be intentional willful neglect. I have supporting documents presented in this complaint that establishes that the corporations mentioned in said complaints have committed fraud against me since as far back as 2014. This is totally unacceptable and you must hold these companies responsible as they feel they are ABOVE THE LAW and taking advantage of me and my REPUTATION. The accounts listed in the supporting documents of this complaint CLEARY show that the accounts are not mine and are fraudulent. Pursuant to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting on my consumer 's file. I am telling you my hand on the bible that this is information will not be blocked in error. My FTC report and affidavit of truth attached are proof that nothing I have stated is false. As your Bureau is here to protect my consumer 's rights I am requesting that you force these corporations to remove ALL negative remarks on my consumers file. All of this information MUST be blocked within 4 days of this complaint per the LAW. If this fraudulent activity continues I will be forced to start LITIGATION. If you believe that I've obtained possession of goods, services, or money as a result of information to be blocked, have your executive member or the company put it in an affidavit of truth notarized. Thanks for your cooperation in this matter. I am XXXX XXXX and I am submitting this complaint MYSELF and there is no third party involved. This complaint should not be closed at any time for authorization needed. This submitted complaint with attached documents will be my written authorization.

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 2022-02-15 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: MI

Complaint narrative:
I, XXXX XXXX, Living Person, And Original creditor have solely made this complaint and if stated otherwise would be intentional willful neglect. I have supporting documents presented in this complaint that establishes that the corporations mentioned in said complaints have committed fraud against me since as far back as 2014. This is totally unacceptable and you must hold these companies responsible as they feel they are ABOVE THE LAW and taking advantage of me and my REPUTATION. The accounts listed in the supporting documents of this complaint CLEARY show that the accounts are not mine and are fraudulent. Pursuant to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting on my consumer 's file. I am telling you my hand on the bible that this is information will not be blocked in error. My FTC report and affidavit of truth attached are proof that nothing I have stated is false. As your Bureau is here to protect my consumer 's rights I am requesting that you force these corporations to remove ALL negative remarks on my consumers file. All of this information MUST be blocked within 4 days of this complaint per the LAW. If this fraudulent activity continues I will be forced to start LITIGATION. If you believe that I've obtained possession of goods, services, or money as a result of information to be blocked, have your executive member or the company put it in an affidavit of truth notarized. Thanks for your cooperation in this matter. I am XXXX XXXX and I am submitting this complaint MYSELF and there is no third party involved. This complaint should not be closed at any time for authorization needed. This submitted complaint with attached documents will be my written authorization.

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 2022-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
This debt is not mine or owed by me. I have no knowledge or gave any approval of any kind in regards to this account. I have a problem with identity theft and have not authorized or signed any documents with use of my name or consented to my information to obtain anything from this company or incur this debt. I would like this company to remove this debt collection from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: MI

Complaint narrative:
I, XXXX XXXX, Living Person, And Original creditor have solely made this complaint and if stated otherwise would be intentional willful neglect. I have supporting documents presented in this complaint that establishes that the corporations mentioned in said complaints have committed fraud against me since as far back as 2014. This is totally unacceptable and you must hold these companies responsible as they feel they are ABOVE THE LAW and taking advantage of me and my REPUTATION. The accounts listed in the supporting documents of this complaint CLEARY show that the accounts are not mine and are fraudulent. Pursuant to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting on my consumer 's file. I am telling you my hand on the bible that this is information will not be blocked in error. My FTC report and affidavit of truth attached are proof that nothing I have stated is false. As your Bureau is here to protect my consumer 's rights I am requesting that you force these corporations to remove ALL negative remarks on my consumers file. All of this information MUST be blocked within 4 days of this complaint per the LAW. If this fraudulent activity continues I will be forced to start LITIGATION. If you believe that I've obtained possession of goods, services, or money as a result of information to be blocked, have your executive member or the company put it in an affidavit of truth notarized. Thanks for your cooperation in this matter. I am XXXX XXXX and I am submitting this compliant MYSELF and there is no third party involved. This complaint should not be closed at any time for authorization needed. This submitted complaint with attached documents will be my written authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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:
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021, I hereby notifying you that neither on those dates or dates similar did I authorize any individual from the listed company above to pull or review my consumer report. Additionally, I have not given XXXX, XXXX or Transunion permission to to furnish this information. Having understood this is a violation 15 USC1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated.

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