vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-08 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: GA

Complaint narrative:
I have submitted proof to all three credit bureaus that my identity was stolen and accounts where open while I was in prison and to date they have nor will they remove this information 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 2021-11-08 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: Self Financial Inc.
State: CA

Complaint narrative:
I have attempted to dispute the company, XXXX XXXX XXXX, off of my credit report but XXXX has not wanted to remove it. The creditor, Self Inc, has sent me a letter confirming that this debt was opened fraudulently and it should be removed but XXXX is continuously keeping it on there even after I have submitted the proof. I have even had the creditor contact XXXX to let them know that this debt is not mine but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: OH

Complaint narrative:
On XX/XX/21 I disputed two inquires from XXXX XXXX XXXX XXXX on my Equifax credit report, Equifax failed to demonstrate the mandated physical and verifiable proof of adequately achieved permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: TRUIST FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/2021 ( 1 ) SunTrust Bank XXXX LightStream pulled my credit for no reason, and I've never contacted, nor ever conducted business with this company and never authorized them to pull my credit. 

On XX/XX/2021 two other companies ( XXXX ) XXXX XXXX and ( XXXX ) XXXX XXXX also pulled hard inquires. I never provided any of these XXXX companies permission to pull my credit. 

After noticing these unauthorized credit pulls, I immediately locked my credit report with XXXX XXXX and XXXX. I also contacted SunTrust/Light Stream and XXXX XXXX both stated that I would need to contact the credit bureaus and dispute it with them. There was no phone number or contact information on my credit report for XXXX XXXX. 

When I called XXXX XXXX to dispute these inquiry 's they said to ( a ) obtain a copy of my Federal Trade Commission Report ( which directed me to this website for CFPB, ( b ) and mail them a letter stating what happened. 

Please contact these companies and realize I never spoke to them directly, nor online, nor provided my info, nor gave permission to pull my credit for any reason, and please REMOVE those XXXX unauthorized hard credit inquiries from my credit report. 

I understand some companies may use other names of companies when seeking financing, but I don't need more credit at this time and the last time I authorized my credit was to purchase a house a few months ago and then was going to finance a bed that I just paid cash for. Those last three credit pulls were not authorized by me. 

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 2021-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I, consumer, entered into a consumer credit transaction with, XXXX XXXX and XXXX bank. A consumer transaction in which a finance charge was involved. 15 USC 1681 ( A ) ( 4 ) under FCRA means the consumer has rights to privacy. in which XXXX XXXX and XXXX Bank failed to provide protection of my rights. Inclusive towards that. The Corporations failed to verify and respond to my accounts over 45 days which also violate my rights of reporting accuracy. I have sent in certified mail which I have receipts from that have yet to be verified also. Companies need to block and delete accounts from credit reports.

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 2021-11-08 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Navy Federal Credit Union after numerous letters and complaints to the institution they continue to re-age my credit profile by reporting monthly Charge Offs to re-age my accounts. They add late payments that are not late payments and have made over XXXX payments without my consent to re-age charged off accounts.

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 2021-11-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Exeter Finance, LLC.
State: MD

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

EXETER FIN is reporting late as reported in my Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on SANTANDER. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AES/PHEAA
State: MS

Complaint narrative:
This company violated 12 CFR PART 1022 REGULATION V. They are still reporting outdated information that 7+ years old on my report. Also they are reporting multiple negative accounts with ONE account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureaus are reporting inaccurate information on XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have submitted proof to all three credit bureaus that my identity was stolen and accounts where open while I was in prison and to date they have nor will they remove this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MS

Complaint narrative:
I have contacted this company about updating and removing the inaccurate information that shows two Nissan accounts on my report. One account is paid off and never late, and in good standing. They other account shows that it is charged off and is reporting negatively on my report. This information is inaccurate and unverified and violates 12 CFR PART 1022 REGULATION V.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: TX

Complaint narrative:
Complaint : ( XXXX XXXX XXXX  ) has violated 15 U.S. Code 1692c - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 
I have NOT given permission for ( XXXX  XXXX XXXX  ) to communicate, transfer or sell information to any other company or third party/debt collector, therefore it is a violation of 15 U.S. Code 1692c-section b. 

Equifax must remove all information reporting from and relating to ( XXXX  XXXX XXXX  ) including third party debt collection accounts associated with ( XXXX  XXXX XXXX  ) because the account and information has been transferred and sold ILLEGALLY according to 15 U.S. Code 1692 c-section b. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Equifax Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: PA

Complaint narrative:
Violations 1. Down Payment +Pursuant to 15 USC 1605 ( a ) Thefinance chargedoes not include charges of a type payable in a comparable CASH transaction. 
A down payment was advertised in order to extend credit. 

2. Unlawful Repossession 1. Extension Posted XX/XX/XXXX 2. Payment made on XX/XX/XXXX in the amount of {$270.00} REF : XXXX XXXX. Repossession Expenses {$420.00} incurred on XX/XX/XXXX. 
4. Repossession occurred after payment which means account not in default 5. I spoke with a rep who admitted she wasn't sure why it happened if I made a payment but, didn't fix the problem and refused to help me resolve the issue. 


3. Violations During Repossession 1. Breach of Peace incurred. Vehicle repossession from Private & GATED community. There is no PUBLIC access where the repossession occurred. Repossession company was not granted access to the secured area. 
2. Violation in pursuant with Universal Commercial Code that secured lenders also breach the peace if they : ( 1 ) repossess the collateral despite the consumers objections ; or ( 2 ) TRESPASS in order to gain possession of the collateral. 

4. Repossession Expenses 3. On XX/XX/XXXX Payment was made in the amount of {$2000.00} ( REF XXXX ). I instructed rep to apply it to repossession expenses. Rep did not apply it to expenses and instead towards monthly payments. 
+ In Pursuant to 15 USC 1692 ( h ) shall apply such payment in accordance with theconsumers directions. 

5. I've also asked on many occasions to produce the paperwork however, representatives frequently transfer me to incorrect departments and refuse to provide me with information that I have a right to receive.

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 2021-11-08 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This company, SYNCB/ROOMS TO GO, is reporting late as reported in my credit report. Lets erase this immediately. The Bureaus are required to verify for themselves, but they failed to verify nor remove this complaints.

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 2021-11-08 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This company, SYNCHRONY XXXX, is reporting late, yet it is closed and the balance is XXXX as reported in my credit report. Lets remove this immediately. The Bureaus are required to verify for themselves, but they failed to neither comfirm nor erase theis complaints.

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 2021-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion has been wilfully violating the FCRA code 15 U.S. 1681p statute of limitations, Transunion has the documents with he original date of delinquency, and has been reproting the delinquent account past the 7 year statute, the claim that they are, or have investigated the matter to delete the account from family support services XXXX XXXX, the creditor has not responded to the credit bureau about my disputed, and it has been beyond 30 says, nor has transunion credit bureau deleted the account, Transunion is doing everything in their power to keep this account on my credit past statute of limitations, then the CFPB let 's them close out his complaint with no resolution, my next step is to contact the Federal Trade Commission myself and file a complaint, because nothing is being done to transunion to ensure they follow the FCRA, Transunion is close to being sued in federal court if they do not delete this account and quit displaying willful non compliance, ONCE AGAIN TRANSUNION IS ABOUT TO BE SUED FOR NEGLIGENCE. DELETE THIS CHUKD SUPPORT ACCOUNT, IT IS A YESR PAST STATUTE OF LIMITATIONS AND THEY WILL BE SUEDIF IT ISNT REMOVED FROM MY CREDIT! ITS NOT ON THE CREDITOR ANYMORE, IT IS SOLELY ON TRANSUNION. Transunion needs to stop lying, it is not through a third party.

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 2021-11-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc.
State: MD

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Despite the multiple previous written requests, the unverified account listed below still remains on my credit report in violation of Federal Law. The XXXX and XXXX XXXX Credit Bureaus have failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. 

1. EOS CCA XXXX Balance {$170.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
a collection for XXXX hit my credit on XX/XX/2021 i do not owe this company any money.. 

i want them to remove off my credit report. asap

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have disputed this judgement with Experian for the longest time now, and Experian is doing everything in their power to keep this account on my credit report, experian is no longer supposed to be reporting judgements, tax lien, or public records, and they still are, they are in violation of the fcra 15 U.S. 1692e misrepresenting a judgement that is public records as a collection item to falsely keep it on my credit report, I have the judgement, and they have the judgement in hand, and has not corrected the information and delete the item, they have confirmed over the phone they have the judgement, but are still non Compliant with correcting the information, they can and will be sued just for that, I have also contacted the courts that handled the eviction, and asked them if they are reporting public records to the credit bureaus, they said no, XXXX XXXX XXXX XXXX is the law firm XXXX XXXX hired to represent them int he eviction process, they are not a creditor or collection agency, they are a land XXXX XXXX XXXX XXXX misrepresenting the debt with a fake account number, which is illegal, and Experian is well aware of this, I will not accept an automated response from experian, but a letter stating the judgement has been deleted from my credit file, if not experian will be sued in federal court for fcra violations.

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 2021-11-08 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: National Credit Adjusters, LLC
State: MS

Complaint narrative:
My XXXX  credit report has XXXX XXXX XXXX XXXX XXXX on my report the amount is {$200.00} the date was XX/XX/2020. I called XXXX XXXX XXXX  and tried resolving this issue to let them know this is a error, and that i have no knowledge of this collection, but they kept calling me.XXXX XXXX XXXX told me this collection i owed was from XXXX XXXX and XXXX, that i have no knowledge of.I had to change my number to stop the callings im hoping this error is corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: World Acceptance Corporation
State: MS

Complaint narrative:
My XXXX  credit report has XXXX XXXX XXXX collection agency on my report the amount is {$200.00} the date was XX/XX/2020. I called XXXX XXXX XXXX, and tried resolving this issue to let them know this is a error, and that i have no knowledge of this collection, but they kept calling me.XXXX XXXX XXXX  told me this collection i owed was from XXXX XXXX and XXXX, that i have no knowledge of.I had to change my number to stop the callings im hoping this error is corrected.

Company response to consumer: Closed with explanation