vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LEXISNEXIS
State: TX

Complaint narrative:
I am trying to obtain car and home insurance from XXXX XXXX XXXX. However, when my risk report was run by LexisNexis there was old information listed which prevented me from obtaining car and home insurance. I was denied because of excessive overall " claims ''. Many of the older claims were just having my car towed to the repair shop and not a comprehensive claim were the total was over {$1000.00}. My report is showing claim items like a " tow '' as a comprehensive claim. Additionally, claims on my property insurance are also showing up under my auto insurance claim history by LexisNexis which is what all Insurance Agents use to underwrite and write a new insurance policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: ClearOne Advantage, LLC
State: TX

Complaint narrative:
CLEAR ONE ADVANTAGE : I spoke with a representative from Clear One Advantage in XXXX of XXXX. At that time, based on my debts, they estimated that I would pay {$10000.00} and I would be done with the program in XXXX of XXXX. As of now, XX/XX/XXXX, I have overpaid their estimate by {$8800.00} and still have three creditors that they haven't even reached a settlement agreement with yet. By the time I'm done, it will have cost me over {$12000.00} more than what the estimate was and it's taking at least 10 months longer. I understand that it was an estimate. However, they have been in business for 16+ years and have worked with these creditors many times over. The estimates that they give are significantly lower than the reality to make it seem like a better option than it really is. I used their chat feature to speak with one representative of the company and spoke with another on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my 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 2023-07-31 00:00:00
Product: Vehicle loan or lease — Lease
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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Please help me The lease company refused to give me a bill of sale so i can not register my car after i paid it off. 

I have tried for months and months and months to get a SIGNED bill of sale with... 
Date it was paid off ( buyout date ) Amount of taxis paid Buy out amount They keep sending docusign DMV will not let me reigester the car with out a SIGNED bill of sale - I have a ticket on this car i can not fix and my bills are going into the thousands. The lease company WILL NOT SEND ME MY SIGNED BILL OF SALE it needs to be a WET SIGNATURE - signed to register it I dont know what to do because technically this car is still theirs and they will not cooperate. 
They will not even tell me where their office is so i can go there. 

NOTHING please can you get them to send me a SIGNED SIGNED SIGNED 9wet signature ) bill of sale 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 explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please remove this inquiry from my credit report as it is not associated with me in any way. I did not make this inquiry and have no affiliation with the creditors involved. I request that this inquiry be promptly removed 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 2023-07-31 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: EdFinancial Services
State: MA

Complaint narrative:
My student loan was transferred over to company called XXXX. I called to make my first payment on XX/XX/2024 at XXXXXXXX XXXX and spoke to a man named XXXX he would not provide me his last name. I wanted to make a payment of XXXX $ over the phone and he processed my payment. I went to check my loan balance and it is still the same balance. When I called again they said the person who took my payment did it wrong and they will notate the account and try to switch the payment over to my new account. Its been a couple months and the problem still hasnt been resolved. I would like to make more payments but I dont feel comfortable doing it with that company if they cant even process a small payment of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Cedars Business Services, LLC
State: FL

Complaint narrative:
CEDARS BUSINESS SERVICES are reporting a debt from original creditor XXXXXXXX XXXX from XXXX on my credit report. I don't live in XXXX for XXXX  years and I never had a debt in there. I asked them for the original information and it's complete IDtheft. I asked them to remove from my report and stop reporting. they still reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
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. 

has violated my rights. Or list of inquiries 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 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

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. 

has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
From my knowledge there was a payday loan given in my name. However, I did not apply for this loan. I am a victim of identity theft. This was done sometime in XXXX of 2015. 

I am now being served and received documents of garnishment of my wages of {$5000.00}. Everyone I speak with is very rude and I dont know how to truly rectify this. I have contacted the fbi as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
Citibank Credit Card - I had both a Flex Pay ( fixed monthly payment and fixed interest rate due to be paid off in XX/XX/2023 ) and a deferred interest balance amount on my credit card. The deferred interest of {$0.00} interest plan was due to expire on XX/XX/2023 if not paid in full. On XX/XX/XXXX, the payment due date, I made a payment online and choose the payment amount option : " Adjusted New Balance + Flex Plan monthly payment - includes monthly Flex Plan payment amount and the non-flex plan portion of your last statement balance, it does not include Flex Plan payments due in future months ''. I paid the balance transfer amount in full listed on my statement as " Adjusted New Balance '' and the Flex Payment amount. Per the payment allocation regulation of 1026.53 ( b ), the payment should've been allocated to pay off the deferred interest balance transfer in full and the amount due for one monthly Flex payment. It was not allocated in this manor. The total was applied and paid off the balance of the Flex Payment plan which had an interest rate of 8.99 % and left a balance on the deferred interest balance. I have spoken to two different CITI customer service agents, one being a " manager '' named XXXX on XX/XX/2023 and yet the payment allocation was not and has not been corrected. On my next statement of XX/XX/2023, the standard purchase rate was increased by 2 % to 24.99 %, the flex pay interest rate from 8.99 % to 24.99 %, and an increase to the Balance Transfer rate.

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 2023-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: NJ

Complaint narrative:
I received notices from Weltman Weinberg & Reis CO LPA attempting to collect a debt that i have no knowledge about. I requested copies of my consumer credit report to validate their claim and discovered a XXXX XXXX XXXX XXXX Account being reported with a balance of more than {$1000.00} I have contacted XXXX XXXX XXXX XXXX which is the original creditor about the fraud that is being reported as a result of identity theft, i attempted numerous of times to write Weltman Weinberg & Reis CO LPA about this matter however i got no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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: TX

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, 3 Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the account : OAG CHILD SU 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 non-monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.

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 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

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.

The letters are stated with items and issues.

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 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NM

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.

The letters are stated with items and issues.

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 2023-07-31 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Placement Services, LLC
State: WI

Complaint narrative:
1. XXXX XXXX XXXX XX/XX/XXXX {$1100.00} {$240.00} {$35.00} {$100.00} XXXX XXXXThis balance needs to be removed from my credit report. My insurance covered it. 


2. Professional Placement Solutions XXXX XXXX {$680.00} {$600.00} XXXX XXXX This balance needs to be removed from my credit report. My insurance covered it. 


XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX This balance is inaccurate and it needs to be removed. 
{$660.00}. 



They called every other day with threatening phone calls. In accordance with the Fair Credit Reporting Act. The List of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
In early XX/XX/XXXX, I noticed a few inquiries on my credit report that I didnt initiate. One account was opened with Genesisfs Card Services, which services XXXX XXXX. Around {$1000.00} was opened, and a {$990.00} purchase was made on XX/XX/XXXX - the company provided me the receipt but most of it along with any supporting documents were not legible. I also filed a police report with XXXX XXXX ( my hometown ) around the same time, but requests to them were not successful and they couldnt find a record of my report. In XX/XX/XXXX, Genesis sent me a letter stating the case was not found in my favor due to receipt and their ability to contact me at the listed address. Exact written reason was : Billing statements and/ or written correspondences have been sent to you at an address you confirmed as your current or previous address. Documentation supporting our investigation is enclosed ( but not readable ). Merchant provided records confirm delivery at your current or previous address. 

Please help resolve this, as I did not authorize this or request a XXXX XXXX credit card,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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. 


has violated my rights. Or list of inquiries 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 2023-07-31 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: EQUIFAX, INC.
State: GA

Complaint narrative:
According to 15 U.S. Code 1681e there is a need for the consumer reporting agencies to be accurate with their reports. The mailing addresses listed on XXXX, XXXX and Equifax are non mailable addresses and are inaccurate. Furthermore, the name ( s ) and birthdates listed are inaccurate as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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: GA

Complaint narrative:
According to 15 U.S. Code 1681e there is a need for the consumer reporting agencies to be accurate with their reports. The mailing addresses listed on XXXX, Experian and XXXX are non mailable addresses and are inaccurate. Furthermore, the name ( s ) and birthdates listed are inaccurate as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

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 2023-07-31 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: EQUIFAX, INC.
State: IL

Complaint narrative:
See attached documents. Remove this personal information that does not belong to me.

Company response to consumer: Closed with non-monetary relief