vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-28 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: CA

Complaint narrative:
My personal information was stolen and the XXXX Breach that leaked my information has effected me in a really negative way Fraudulent credit has been applied for. I have made a police report and i also contacted the credit company 's XXXX Experian and XXXX i have provided prof along with police reports and FTC report and even though i have tried to contact the company 's to see how they just give some one credit under my name with verifying ID or SS and the Police has also investigated when i call the credit company 's to remove the fraud off my credit they come back with " Verify '' witch at first making me happy thinking this nightmare is over!! I figured they stated that they did a investigation but then they say its Verified!!!?? what?? when i call the credit copays they have proof that it was me but have not yet provided me with proof and the also have not provided proof to the police making me think they investigated but they wont help me or the police with removing the fraudulent accts in my credit or giving me a copy of the investigation the person that did this to me and they wont give the information to the police.. I need help removing fraudulent things on my credit or i need the credit company 's to release the investigation information that they have when they investigated the company 's that proof that the fraudulent record belongs to me this way i can provided to the XXXX XXXX police department. 
I need the following information removed from my credit report 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 Experian 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 Please remove all this information from my credit report i have the FTC report and the police report I believe the credit company 's might know who did this and have allot more valuable information that for what ever reason they have not shared with me or the police due to they XXXX XXXX investigated and the information was verified!! I have proof that the credit company 's send me that they stated that they did Per their words " A Investigation the information my my credit report is verified '' Please help me with this mater at this point every time i call the credit company they hang up on me or say they will investigate

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 2022-07-28 00:00:00
Product: Vehicle loan or lease — Loan
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:
Car repossessed had been given a reprieve on payments due to evacuation of California XXXX and pandemic. I was temporarily XXXX. 
They towed my car once established, I had been trying to reach them and they had my new temp address. With no response or paperwork they took my car on my moving out date. 
I paid all my fines, finance charges and on XX/XX/XXXX was able to retrieve my car that was moved again to auction yard 2hrs away. I called Ally and asked for my pink slip and was told I would have to wait 45 days. I asked for paperwork that explains this. Never received anything. Gave her my new address and waited. In XX/XX/XXXX I had an alert from XXXX that I have XXXX outstanding on my credit report? 
Why no bill like other financial institutions? I pay my bills, you have my email as well. 
My car hasnt ran well since I picked up from the 2nd salvage yard. It hadnt ran since and now I need to sell it so I can buy a car. My mechanic is looking at it and said it could be from the towing and is taking photos. 
I would like my pink slip on 30 days and the XXXX charge forgiven as I have paid already XXXX plus fines that are more then the car is worth. The car had been paid in full. 
I am sending this letter as requested to out XXXX XXXX tv news station that helps consumers deal with corporations. They air the dispute on the news as well. 
I will follow up as I have reached out several times to Allys complaint and dispute department, all I get is texts saying someone will call. 5 hours no calls yet Thank you for taking care of this in a timely manner. 

Here is all my pertinent information : XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX Acct # 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 monetary relief
Consumer complaint received 2022-07-28 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: FL

Complaint narrative:
While checking my credit report, I notice an account from XXXX, that I believe is not being reported correctly on my credit report. On XX/XX/2022, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, ( see Attached ). After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2022, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the credit bureaus, along with my incident report, ( which are attached ), asking them to verify or remove the negative report on my credit report that XXXX  is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: FL

Complaint narrative:
While checking my credit report, I notice an account from XXXX, that I believe is not being reported correctly on my credit report. On XX/XX/2022, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, ( see Attached ). After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2022, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the credit bureaus, along with my incident report, ( which are attached ), asking them to verify or remove the negative report on my credit report that XXXX is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

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 2022-07-28 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP
State: IA

Complaint narrative:
ReliaCard XXXX XXXX XXXX ( for Child Support ) Spring of XXXX I was asked to confirm my identity with the new app ReliaCard was requiring. For XXXX months I was unable to use my account because the photos of myself weren't clear enough or light enough etc. I ended up attempting to validate my acct. XXXX XXXX with waiting time in between to see if it qualified. 

This accrued XXXX of child support that I was unable to use. 
When I finally got my ID confirmed with their app, I used it a couple of times to see it worked at a grocery store. Ironically, my account gets frozen again within that week of using it. 
XX/XX/XXXX Card to Bank XXXX to XXXXXXXX XXXX Personal Checking- ACH Withdrawal {$1900.00} XX/XX/XXXX Card to Bank XXXX XXXX XXXX same for {$1000.00}. 
XX/XX/XXXX Card to Bank XXXX to XXXXsame for {$800.00}. 
My online account was hacked, the hackers changed my email address and alerts to my phone. Reliacard said " no error occurred '' and will not refund my money. 
I have spoken with them on the phone XXXX times, various managers, fraud dept. with one finally realizing my email and phone were changed on my account and still no change in their findings. 
Police Report was filed the day after I realized fraud happened. Case XXXX XXXXXXXX XXXX XXXX XXXX Police Dept . 

ReliaCard Case number is # XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I have never transferred money in my XXXX years of having this card for child support. 

See attached timeline and supporting documents.

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 2022-07-28 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: MI

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. XXXX XXXX XXXX Account Number:XXXX XXXX XXXX XXXX  Account NumberXXXX XXXX Account Number : 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 : XXXXXXXX XXXX XXXX Account Number : XXXX, XXXX XXXX  Account Number : XXXX, XXXX  XXXX Account Number : XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX XXXX XXXX XXXX  XXXX Account # 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 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. 


I told the credit bureaus to investigate every piece of information on the accounts I have listed on the complaint. According to the FRCA the term " investigate consumer report '' or portion thereof in which information on a consumer 's character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still reporting 100 % accurate and according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies.

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 2022-07-28 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: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2022-07-28 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC
State: TX

Complaint narrative:
I purchased a vehicle in XX/XX/2021. Global Lending Services was my loan provider. I set my payments to be automatically debited on the XXXX of every Month, 2 weeks prior to the due date. On XX/XX/XXXX, I traded the car in and purchased a new vehicle. The payoff amount quoted at the car lot is the quote they were paid. On XX/XX/XXXX, Global Lending debited my account for a {$480.00} payment erroneously. I contacted the company and was told it would be deposited back to my account once they received they paperwork from the car dealer in 10 days. I called back again on XX/XX/XXXX and was told that I had to wait on them to process the paperwork and a paper check would be sent out the week of XX/XX/XXXX. I called the company on XX/XX/XXXX and was told the checks were sent out on Thursdays which would have been XX/XX/XXXX. Now it is XX/XX/XXXX and I call the company and I am being told that my check will not be mailed until XX/XX/XXXX. This is really ridiculous and totally unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I complained about my account with the credit union because it has a credit card that I never had and though it was paid off and closed. My money was removed from my account and it was paid for without my permission. I filed a identification theft report to the police department.And I gave it to the XXXX XXXX XXXX XXXX and its still reporting to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I complained about my account with the credit union because it has a credit card that I never had and though it was paid off and closed. My money was removed from my account and it was paid for without my permission. I filed a identification theft report to the police department.And I gave it to the XXXX XXXX XXXX XXXX and its still reporting to 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 2022-07-28 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:
I have disputed this information ( bankruptcy ) on my TransUnion credit report, and it came back verified by the court. I reached out to the Clerk of the Court and the letter is attached stating they do not release any information to the Credit Bureaus. 
Please help me to resolve this issue. I am trying to improve my credit. I would like to buy a house. This is causing a lot of stress.

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 2022-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
As indicated by the attached copies of letters and mailing receipts, you have been delivered by registered mail both a dispute letter, dated XXXX, as well as a follow-up letter, dated XXXX. As of this moment, Equifax or XXXX XXXX have not done their duty mandated under the law. Their inaction in this matter is inexcusable, and disregard for the law is contemptible. Rest assured, I will hold them accountable. As you are well aware, federal law requires you to respond within 30 days, yet they have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission I can show a judge that these accounts are inaccurate and that they have violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and my letters have went unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
The phone call and letters from Portfolio recovery debt collectors are for a credit card or cards totaling Approximately {$6500.00} dollars, this was my now deceased Mothers card called XXXX XXXX, which she allowed us to use, there may be another account also, but the statute of limitations expired over 8 yrs back, there was the same account listed on my credit report, I disputed ownership and the time limits, it was removed but may have remained on XXXX XXXX XXXX 's credit, but she is now deceased since XX/XX/2021, the call today was from XXXX, they did say we can not nor my Mother ( Deceased ) be sued, but anything we say can be used against us, I also receive letters from them, one last week, saying the statute of limitations expired but we still owe the debt. 
These cards or cards are from XXXXXXXX XXXX  this is abusive harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-28 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: EQUIFAX, INC.
State: NC

Complaint narrative:
This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law.

1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. Validate/inaccurate reported late payments. 
DEPT OF ED/XXXX  Account Number : XXXX Please remove it from my credit report. 

2. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. Validate/inaccurate reported late payments. 
DEPT OF ED/XXXX  Account Number : XXXX Please remove it from my credit report. 

4. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. Validate/inaccurate reported late payments. 
U S DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation