vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-16 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: GA

Complaint narrative:
Affirm has reported on my Experian account that I'm XXXX Days Late Payment, but I have proof on my bank statements that I made monthly payments, as I never had a late payment. 

They reported in XXXX that I was late XXXX payments, but as you can see on the attachment I've paid them in all the months that's being reported late. 

I've asked XXXX multiple times to reflect the correct information but they won't comply.

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 2022-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Law Offices Howard Lee Schiff, P.C.
State: ME

Complaint narrative:
I am a XXXX  XXXX that was tasked with performing a sale closing on property in XXXX, Maine. XXXX XXXX XXXX XXXX ( XXXX ) had sued the seller for its client creditor and recorded a judgment lien at the county registry of deeds. I picked up the lien in the title search then contacted XXXX to get a payoff, which they provided. The closing was on XX/XX/ 2021 and I collected the lien payoff amount from the seller 's proceeds and paid XXXX the amount on the payoff statement. The check cleared on XXXX XXXX, 2021. In my cover letter to XXXX, I requested that they issue a release of the lien in recordable form so I could record it at the county registry of deeds and clear the title to the property. They have ignored my repeated requests to issue a release. 
This is a serious matter because if the new owner who purchased the property wants to refinance or sell, they won't be able to because XXXX ignores its duty to issue a recordable release.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2022 a purchase was authorized twice for {$150.00} at an XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX purchases for {$150.00} were made at an XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX purchases for {$150.00} and {$150.00} were made at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2022 I called a Wells Fargo representative and started a claim for false charges on my bank account. Claim was received On XX/XX/2022 I received a notification on their app my claim was resolved. 

On XX/XX/2022 I received a letter in the mail detailing the the investigation had found that I had made those purchases. I called to see if their was anything I could do to dispute and the representative said no. 

I did not make these transactions they're fraudulent and it was money taken out of my account unjustly

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 2022-08-16 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:
XXXX XXXX Date open XXXX XXXX {$1200.00} XXXX a victim of identity theft and this account was not created by me. Account published by XXXX and Transunion. 

XXXX XXXX Bank XXXX. XXXX Date open XXXX XXXX {$660.00} XXXX a victim of identity theft and this account was not created by me. Account published by Transunion.

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 2022-08-16 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:
XXXX XXXX Date open XXXX XXXX {$1200.00} XXXX a victim of identity theft and this account was not created by me. Account published by XXXX and XXXX. 

XXXX XXXX Bank XXXX. XXXX Date open XXXX XXXX {$660.00} XXXX a victim of identity theft and this account was not created by me. Account published by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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:
There is inquiries and accounts that are not violation of 15 USC 1681 XXXX XXXX XXXX and 15 USC 1681 XXXX XXXX XXXX I never instructed them to furnish my reports. I am demanding right now deletions of all violations and inaccurate information off my report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
In XXXX, I obtained a TD Cash card. After XXXX ( XXXX ) years having this card and dealing with a lot of problems with it. On XX/XX/XXXX, I paid off the card in full and closed it. 

I kept wondering why my credit score dropped from a XXXX to in the XXXX 's. I didn't think of it much just told myself I need to bring up my score ...! 
Finally, after getting it back up to a XXXX, but it kept dropping XXXX points. I looked on my banks credit journey site and noticed that TD Bank stated that I had been delinquent in my payments of their TD Cash card since XXXX to present. 
I tried calling them every time they would hang-up on me. Then I was able to get in contact with the " Admin XXXX XXXX XXXX '' department ; They informed me I paid this card off in full, on XX/XX/XXXX. I should contact the bank to inform them of their mistake, and they would email and send out a hard copy of the " paid in full payment ''. 

Pleas note this has caused my credit to drop and I've lost many opportunities for my family and I owning our own home ; plus purchasing a truck, etc..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
On XX/XX/2022 I called CMRE Financial services , Inc after receiving a debt collection bill. The first time I called the phone was picked up and then immediately hung up. I had to call again and wait on hold. When the call was answered by a XXXX, I provided my information. When I began to request additional information from this person, I was repeatedly told that this bill was my responsibility, over and over. She would not provide answers to any of the questions asked and became extreme hostile, and unprofessional. She then hung up on me without answering or resolving my questions. This company is not willing to provide answers or properly take information. I feel that they are attempting to dodge calls in order to run up bills and collect additional money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
XXXX XXXX started a credit card in my name and told me it was in her name

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: MD

Complaint narrative:
THE FOLLOWING ACCOUNTS ARE FRAUDULENT I WANT THEM BLOCKED AND REMOVED FROM MY CONSUMER REPORT I DID NOT GIVE MY WRITTEN CONSENT TO FURNISH ANY NEGATIVE AND FRAUDULENT ACCOUNTS ON MY PROFILE THIS IS INFRINGEMENT UPON MY RIGHTS PURSUANT TO 15 USC 1681 ( B ) AND THE GRAMM-LEACH BILLEY ACT I AM DEMANDING THESE ACCOUNTS BE REMOVED FROM MY CONSUMER REPORT OR I WILL COUNSEL WITH MY LEGAL TEAM FOR SUIT XXXX : XXXXXXXX XXXX XXXXXXXX XXXX DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX DATE OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX DATE OPENED XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2022-08-16 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: MD

Complaint narrative:
THE FOLLOWING ACCOUNTS ARE FRAUDULENT I WANT THEM BLOCKED AND REMOVED FROM MY CONSUMER REPORT I DID NOT GIVE MY WRITTEN CONSENT TO FURNISH ANY NEGATIVE AND FRAUDULENT ACCOUNTS ON MY PROFILE THIS IS INFRINGEMENT UPON MY RIGHTS PURSUANT TO 15 USC 1681 ( B ) AND THE XXXX XXXX XXXX XXXX AM DEMANDING THESE ACCOUNTS BE REMOVED FROM MY CONSUMER REPORT OR I WILL COUNSEL WITH MY LEGAL TEAM FOR SUIT XXXX : XXXXXXXX XXXX  XXXX XXXX DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX DATE OPENED XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: General Motors Financial Company, Inc.
State: ND

Complaint narrative:
I have signed for a vehicle on XX/XX/2017 that has XXXX completely different sets of paper work. The second has the date of XX/XX/2017. My signature was forged on it and I have come to the dealership and the bank about these complaints and consumer rights violations and continue to be ignored. I was not disclosed to the rights that I had and I have sent out copies showing that both paper works are different and the banks and dealership copies have forged signatures. I have the original paperwork. They have copies. The annual percentage rate, finance charge, amount financed, total payments, and total sales price are higher on their copies then mine. Which means I signed out for XXXX price and was charged something different. These are clear consumer rights violations. 

My contract. 
Annual percentage rate : {$12.00} Finance Charge : {$8600.00} Amount financed : XXXXXXXX XXXX XXXX Total sales XXXX The Banks and Dealerships contract. 
Annual percentage rate : {$12.00} XXXX XXXX : {$8900.00} Amount financed : XXXX XXXX XXXX XXXX sales XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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:
It has been discovered that you are not DISPOSING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not REMOVE the accompanying things written down below which are answering inappropriately because of fraud, I will hand my archives over to my lawyer to begin a lawful procedure. It's my goal to not seek after any legitimate activity so if it's not too much trouble, act in accordance with the law. 
XXXXXXXX XXXX Date of inquiry XX/XX/2021 ; XXXX XXXX XXXXXXXXXXXX XXXX  {$73000.00} ; XXXX XXXX  XXXX Balance {$20000.00} ; XXXX XXXX XXXX {$17000.00} ; XXXX XXXXXXXX Bankruptcy XXXX Dismissed ; XXXX XXXX Bankruptcy XXXX Dismissed ; XXXX XXXX  Bankruptcy XXXX Dismissed ; XXXX XXXX Balance {$17000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16 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:
It has been discovered that you are not DISPOSING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not REMOVE the accompanying things written down below which are answering inappropriately because of fraud, I will hand my archives over to my lawyer to begin a lawful procedure. It's my goal to not seek after any legitimate activity so if it's not too much trouble, act in accordance with the law. 
XXXXXXXX XXXX Date of inquiry XX/XX/2021 ; XXXX XXXX XXXXXXXXXXXX XXXX {$73000.00} ; XXXX XXXX XXXXXXXX Balance {$20000.00} ; XXXX XXXX XXXX {$17000.00} ; XXXX  XXXX Bankruptcy XXXX Dismissed ; XXXX XXXXXXXX Bankruptcy XXXX Dismissed ; XXXX  XXXX Bankruptcy XXXX Dismissed ; XXXX XXXXXXXX XXXX  {$17000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
A savings account was opened at my bank using all of my personal information. The account has since been closed by my 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 2022-08-16 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: PlusFour, Inc
State: NV

Complaint narrative:
So I had a XXXX XXXX that insurance paid for. I disputed it online multiple times. And on XX/XX/XXXX I sent in a letter dispute and I never got thr results back. After I sent the letter off, the post office mailed a receipt saying that the letter was sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX and I made a XXXX XXXX payment through my bank to Comenity Bank/BJs credit card company in the amount of {$1100.00} for a bill due on XX/XX/2022. On XX/XX/2022 funds were debited from my checking account and payment in full was electronically sent to Comenity Bank on behalf of my account. Since XX/XX/2022, I have attempted to get this resolved as my statement showed the amount unpaid. I contacted Comenity and my bank- XXXX- on a dozen occasions to no avail. XXXX contacted Comenity 2 times and sent 2 faxes ( at the fax number supplied by a Comenity representative ) showing proof that payment of {$1100.00} was electronically sent and that Comenity received it. I can NEVER get through to Comenity only after waiting on hold for over an hour, each and every time. They now are charging me late fees, etc. and refuse to do anything to help. They are going to ruin my credit and I am out {$1100.00} plus. I always pay by bill in full. Last 4 digits of my account # is XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-16 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: NY

Complaint narrative:
I am a natural person. I am a living human being ; I have rights under 15 USC 1681. 

Equifax is governed by 15 USC 1681. and they've violated my rights numerous times. I demand the Accounts listed below be remove because According to 15 USC 1681. I have the right to privacy, and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXXXXXX, Acct # XXXX. 

XXXX XXXX XXXX XXXX, Acct # XXXX. 

XXXX XXXX XXXX XXXX, Acct # XXXX. 

XXXX XXXX, Acct # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
For the last XXXX months, I have attempted to resolve the innaccurate information that's showing on my credit report profile with this bureau. I have not received any relevant information regarding why these items are still on my credit report. 

I have sent letters, called and there's been absolutely no response and these items are still not removed off of 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 2022-08-16 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: EQUIFAX, INC.
State: NC

Complaint narrative:
For the last XXXX months, I have attempted to resolve the innaccurate information that's showing on my credit report profile with this bureau. I have not received any relevant information regarding why these items are still on my credit report. 

I have sent letters, called and there's been absolutely no response and these items are still not removed off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Northstar Location Services, LLC
State: TX

Complaint narrative:
Continues to call repeatedly while I am at work. It is bothersome. Has been contacting family members or anyone that knows me. It is embarrassing. The phone number they are calling from is : XXXX as well as numerous other phone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TRANSUNION XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX To Whom It May Concern : I recently received a copy of my XXXX credit report, And I noticed some late payments posted on my credit report XXXX XXXX ..XXXX : XXXX late payment XXXX XXXX XXXX XXXX : XXXX late payments XXXXXXXX XXXX XXXX XXXX  : XXXX XXXX late payments XXXX. XXXX XXXX XXXX XXXX XXXX : XXXX late payment XXXX. XXXX XXXXXXXX XXXX : XXXX late payment XXXX. XXXX XXXX XXXX late payment XXXXXXXX XXXX XXXX XXXX XXXX  : XXXX late payments XXXX. XXXX XXXXXXXX XXXX XXXX XXXX : XXXX late payment XXXX XXXX XXXX XXXX : XXXX late payments XXXX. XXXX XXXX XXXX : XXXX. XXXX late payments XXXX XXXX XXXX XXXX XXXX : XXXX late payment Your company is in clear violation of the law. Under 15 U.S. Code 1681b - Permissible purposes of consumer reports. THE LAW CLEARLY STATES : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give u written instructions to furnish these accounts on my credit report?

Furthermore, The FAIR CREDIT REPORTING ACT 15 U.S.C 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above LATE PAYMENTS from my consumer report, this agency is in violation of 15 U.S. Code 1681 Failure to respond satisfactorily with deletion of the above referenced accounts, and send out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character ( per se ) XXXX. Negligent Enablement Of Identity Fraud XXXX. Fair Debt Collection Practices Act 15 U.S. Code 1692g violations XXXX. Fair Credit Reporting Act 15 U.S. Code 1681 violations for willful noncompliance - 616. Civil Liability for willful noncompliance [ 15 U.S.C1681n Best Regards, 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