vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc.
State: GA

Complaint narrative:
I am XXXX XXXX submitting this complaint against credit management LP and their is no third party involved.

Credit management LP did not provide me with sufficient documentary evidence such as tracking number or some type of signed delivery slip by me the consumer, proving that I received and was made aware of collection activity of this alleged debt, this alleged debt had been fraudulently placed onto my consumer report with forethought and malice to being harm to me and my financial reputation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-15 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I faxed, mailed and uploaded my disputes. I went to police and got a report, and I filled out the FTC as I was told by all three bureaus now that I have done all that and I spent money to send my disputes certified mail. I get no response. I called XXXX and they said I needed to get their credit monitoring service and that would ensure I could talk to a person and they made me feel like if I pay for their service they would remove the fraudulent items. They are not the only ones the other two bureaus did similar things all wanting me to pay {$25.00} a month in order for them to follow the FCRA. This isn't right and I am hoping the CFPB can correct the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: GA

Complaint narrative:
I faxed, mailed and uploaded my disputes. I went to police and got a report, and I filled out the FTC as I was told by all three bureaus now that I have done all that and I spent money to send my disputes certified mail. I get no response. I called XXXX and they said I needed to get their credit monitoring service and that would ensure I could talk to a person and they made me feel like if I pay for their service they would remove the fraudulent items. They are not the only ones the other two bureaus did similar things all wanting me to pay {$25.00} a month in order for them to follow the FCRA. This isn't right and I am hoping the CFPB can correct the bureaus.

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 2022-04-15 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:
According to the Fair Credit reporting act ( XXXX XXXX XXXXXXXX ) 15 U.S.C 1681 Section 602 A. States I have the right to Privacy 15 U.S.C 1681 Section 604 Section 2 also states a consumer reporting agency can not furnish an account without my written instructions also a FTC report was sent to remove this 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 2022-04-15 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:
According to the Fair Credit reporting act ( XXXX XXXX XXXX ) 15 U.S.C 1681 Section 602 A. States I have the right to Privacy 15 U.S.C 1681 Section 604 Section 2 also states a consumer reporting agency can not furnish an account without my written instructions also a FTC report was sent to remove this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
The Law Offices of Mitchell D Bluhm & Associates keep calling me trying to collect a hospital debt. I have asked on numerous occasions per the rules of FDCPA to provide me with a verification of debt and documentation that I owe the debt. They keep calling harrasing me and saying they sent it but have not. The other day another person called telling me it " was not sent to an attorney for review yet '' making it seem like they may sue me. I was told I would have to reach out to ask for the verification of debt and told them three times I have asked them to do their job and provide me with it per the rules and they still have not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX solicits consumers who sign up for their credit report services with credit card offers from their " advertising partners '' where XXXX states they have used their advertising partners approval criteria and information from my credit report to present an offer to apply for a credit card where XXXX presents a percentage chance of approval or gives a " matched to you '' rating for the offer, as the highest possible chance of approval. 

Three times I've applied for cards via applications that XXXX has presented to me with the highest rating for approval as " matched to me, '' and three times, the most recently of which being by Wells Fargo, I've been declined, with the specific reason for each declination being information contained on my XXXX credit report. 

This has resulted in 3 recent inquiries on my credit report, which has lowered my credit score, and that has resulted in a lowering of my credit rating from " very good '' to just " good. '' What XXXX and their " advertising partners '' are doing is misleading consumers into generating inquires of their credit report, which makes money for XXXX, and costs consumers by damaging their credit score, instead of opening a new account, which would improve their credit score.

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 2022-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
XXXX thru XXXX Need letter for forgiveness/release for mortgage given for a mortgage loan we had thru GMAC mortgage ( now XXXX  ). This forgiveness paperwork was given thru GMAC mortgage via the XXXX  XXXX XXXX XXXX. 
This paperwork was never filed with XXXX  XXXX XXXX records to show the loan was satisfied and released and currently states no activity in XXXX  with last servicer as XXXX XXXX XXXX we need this paperwork so our title company can close our home sale. 
XXXX is bankrupt and the servicer XXXX XXXX XXXX is also bankrupt and we can not get any information or paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: GA

Complaint narrative:
The former address Equifax has listed on my consumer file is incorrect. Equifax will not delete incorrect former address. I have notified them in writing about this incorrect information. During the Equifax breach my file was mixed and merged with someone else consumer file and the incorrect address remains on my consumer file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have been disputing a debt with experian on a XXXX XXXX XXXX account. I have disputed the item for several months and they have taken no action to remove the item from my credit report. Nothing about the account is reported correctly. I have even attached a letter from my attorney showing the debt was resolved. I want experian to remove the inaccurate account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
XX/XX/2021 someone tried to open an account under my driver 's license & a phone number I had like 20 years ago thru Target I need a letter to send to XXXX XXXX so a hard hit can be removed. XXXX XXXX said to ask for FTC report- fraud- my cell is XXXX if you have any questions I called you guys 3 months ago & haven't received anything

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-15 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: MD

Complaint narrative:
Hello I am seeking assistance Im removal inaccurate information listed on each credit agency This may be result of theft that include to my wallet that was stolen around XXXX XX/XX/2021. These debtor accounts are new I have never done any business with this company nor do I have any debtors of these creditor or address listed on XXXX, XXXX and Experian credit agencies reporting new accounts open in XXXX .XXXX  XXXX XXXX XXXX XXXX XXXX and other personal loan is fraudulent accounts XXXX XXXX XXXX also multiple named XXXX, XXXX and XXXX XXXX Fraudulent addresses XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX MD XXXX -All fraudulent personal information added to my credit reports. Any or all data input regarding this address is not valid and without my knowledge or consent. 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 2022-04-15 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account Number XXXX XXXX Account Number XXXX XXXXXXXX Account Number XXXX XXXX  XXXX bankruptcy discharged Reference Number 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

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 2022-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX This account should be reporting as " CLOSED, PAID AS AGREED ''. There was an UNAUTHORIZED charge made to this account in XX/XX/XXXX for the amount of {$130.00} by XXXX XXXX XXXX. XXXX XXXX XXXX was not authorized to process any payments on my behalf. I cancelled insurance with them in XXXX and have have no business with then since XXXX. See cancellation information. ALL derogatory information needs to be removed from my credit file immediately. XXXX responded that a correction was warranted on XX/XX/XXXX but have yet to update my credit file. It has been over 30 days. See letter from 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 2022-04-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX This account should be reporting as " CLOSED, PAID AS AGREED ''. There was an UNAUTHORIZED charge made to this account in XX/XX/XXXX for the amount of {$130.00} by XXXX XXXX XXXX. XXXX XXXX XXXX was not authorized to process any payments on my behalf. I cancelled insurance with them in XXXX and have have no business with then since XXXX. See cancellation information. ALL derogatory information needs to be removed from my credit file immediately. XXXX responded that a correction was warranted on XX/XX/XXXX but have yet to update my credit file. It has been over 30 days. See letter from 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 2022-04-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Before I opened a credit card with Lowe 's, I read some of their policy. I was a member of one of their top competitors so I check to see if they offered the same benefits of being a card member. I made a purchase with them and later hated my purchase, the item was part of a set I had years before opening a credit card. When I tried to take advantage of my Lowe 's Advantage Card, I was denied making a return. I wrote to the Corporate Office but received no response. When I contacted them by phone, they seem confused by my request but after reading it online, confirmed the return policy. I was told to contact the store near me and speak to the manager but that didn't go well. I am not a fan of the bait and switch. I don't like for companies to offer incentives with their credit cards but don't respect that when you remind them of their policy. My suggestion would be to remove this off their website if it is not true. Please see message on their website : Most new, unused merchandise can be refunded or exchanged with proof of purchase within 90 days of the original purchase date, unless noted in ourReturn Policy Exceptions. If your purchase was made with a Lowes XXXX  Account ( XXXX  ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX  ) or XXXX XXXX XXXX XXXX XXXX ), you have 365 days from the date of purchase to return the product, unless noted in our Return Policy Exceptions. All returns are subject to system approvals.

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 2022-04-15 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account Number XXXX XXXX  Account Number XXXX XXXX Account Number XXXX XXXX XXXX bankruptcy discharged Reference Number 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

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 2022-04-15 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: FC HoldCo LLC
State: FL

Complaint narrative:
Hello I am a first time customer for purchasing a new vehicle in my name. When I was offered for a deal on a new car. I was told by the car dealership that it would be several such as 2 to 5 loan members that will be credit reporting my credit score.. Due to this I seem to look on my credit report and it has been dozens of car loan lenders attached to my account which took a huge toll on my credit score. It has been hard for me finding a house credit score to XXXX dramatically dropping. All lenders that I've seen on my credit report is not recognizable anot recognizable and I would like you guys to please please see into this situation.

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 2022-04-15 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXt Account XXXX  # XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX, XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Number XXXX XXXX Account XXXX XXXX XXXX Account Number 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

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 2022-04-15 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX # XXXX XXXX XXXX  XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX Account Number XXXX XXXX Account Number XXXX XXXX Account Number 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States that I have a 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 166b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2022-04-15 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: TN

Complaint narrative:
I had a car that was totaled an my insurance paid it an I had gap insurance the car got paid for an they have put it on my credit XXXX  had it removed from XXXX an XXXX but experian is saying they investigated it but clearly they didnt because they removed from the other ones so why can they not find out that it is false 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 explanation