vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: TX

Complaint narrative:
I have reached out to LexisNexis on three separate occasions in an effort to get my consumer report from them. They are reporting incorrect bankruptcy information that does not belong to me. They confirm this information to XXXX and XXXX however on the report I received on XX/XX/XXXX there isn't any bankruptcies showing on my XXXX consumer report that said, subsequent attempts to get my consumer report from Lexisnexis has been denied. 

THey asked fr a copy of my Driver License and Social Security card which I have submitted they confirm that they have received and attached to my file however they still deny my request. at this Point THis should be assumed to be collusion between XXXX and Lexisnexis to keep incorrect, illegal and misleading information on my credit report. My family and I have suffered irrecoverable harm because of the actions of LexisNexis and XXXX. It is my wish that they deliver to me a true and correct copy of my Lexisnexis consumer report. That they remove the unverifiable information that they are reporting on me. 

The XXXX XXXX of Texas Bankruptcy court explicitly states that they do not verify Bankruptcy information with any source or requester Both LexisNexis and XXXX need to stop the collusion to keep incorrect information on my Credit reports. the following information is in question with both Lexisnexis and experian and should immediately be removed from both sources. However I have a report Dated XX/XX/XXXX That this information isn't being reported by Lexisnexis. According to XXXX and the fact I can't get Subsequent reports it seems to be. Immediate removal is demanded Public Record DATE Reference # Bankruptcy XXXX  XXXX XX/XX/XXXX XXXX Bankruptcy XXXX  XXXX XX/XX/XXXX XXXX Bankruptcy XXXX  XXXX XX/XX/XXXX XXXX Bankruptcy XXXX  XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....

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 2022-05-19 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 — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I have been complains to Bank of America for 6 months. They have fraudulently charged me for XXXX XXXX dollars!!!!! They do nothing!!

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 2022-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I checked my consumer report and I noticed numerous fraudulent and inaccurate accounts on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
CREDIT INQUIRE STILL REPORTING ON MY CREDIT WITH TRANSUION AFTER THE COMPANY STATED IT SHOULD HAVE BEEN REMOVED

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 2022-05-19 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: Selene Holdings LLC
State: NV

Complaint narrative:
XXXX and other fraudulent company attempting to claim illegal rights to property. SELENE FINANCE LP has no right reporting on personal profile to XXXX by illegal reaging and flagged account as Loan Modification on XXXX XXXX, XXXX reporting personal credit report debt resolved in bankruptcy.in XX/XX/XXXX. Now illegal harassment with notices and neighbors at personal resident and illegal entry personal property. Failing to obey U.S fair credit laws with illegal credit reporting, aggressive & illegal business practices of illegal reaging debt collection practices..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-05-19 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:
In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: NV

Complaint narrative:
Experian and other fraudulent company attempting to claim illegal rights to property. XXXX XXXX XXXX has no right reporting on personal profile to Experian by illegal reaging and flagged account as Loan Modification on XXXX XXXX, XXXXby reporting personal credit report debt resolved in bankruptcy.in XX/XX/XXXX. Now illegal harassment with notices and neighbors at personal resident and illegal entry personal property. Failing to obey U.S fair credit laws with illegal credit reporting, aggressive & illegal business practices of illegal reaging debt collection practices..

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 2022-05-19 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: Eastern Revenue, Inc.
State: PA

Complaint narrative:
In the beginning of XXXX a company by the name of Eastern revenue called my mother. My mother told me and I called them back. They wouldnt tell my mom who exactly they were so I called them back to figure out who they were. Just in case they were a doctor or a job. Who knowns. He tell me about some debt that he thinks I owe. I realized what he was trying to do. So I blocked the number. Yet he keeps calling. If he calls again it will be a XXXX dollar fine. The credit companies allowed this people to report false information on my credit report. According to the Fair debt collection / 15 USC 1692 ( D ) consumer law. This is illegal and he has called me over 15 times this is illegal and needs to be removed from my report. Their number is XXXX ( XXXX ) XXXX. I have attached the screenshot evidence below.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: VW Credit
State: DE

Complaint narrative:
On XX/XX/XXXX I returned my leased XXXX XXXX to XXXX XXXX in XXXX, PA. Upon returning the XXXX I signed a new lease for a XXXX XXXX. The paperwork for vehicle registration was incorrectly submitted. My name was spelled incorrectly on the new lease, which they refused to fix. I paid them {$2500.00} as a down payment on the XXXX XXXX. 
The dealership held the money and never sent the payoff to VW Credit until XX/XX/XXXX. They have also documented my end of the XXXX XXXX lease as XX/XX/XXXX. 
I have repeatedly asked and called both dealership and VW Credit to confirm that my lease date is XX/XX/XXXX. They refuse. The XXXX of the dealership XXXX XXXX sent me a fraudulent copy of my end of the XXXX lease with his salesman as the leasee and he as the lessor. My salesman XXXX XXXX has since retired. 
After a flood in my home on XXXX XXXX XXXX my copy of the XXXX lease and End of the XXXX on the XXXX were destroyed. 
I need all the original document. 

Other than that I have no proof nor do they that I have a leased vehicle with VW Credit. 
They are both documented on the XXXX  website for this same problem with many others. 
Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: SC

Complaint narrative:
I am writing you as a last resort and hopes of solving my issue with Shellpoint Mortgage company. They became my mortgage lender in XXXX of 2020, after Ditech Financial sold my account to them. Around XXXX of 2020 I received a letter requesting proof of insurance for the months of XXXX and XXXX of 2020. I immediately contacted XXXX XXXX and they faxed the policy information to Shellpoint. However, they have continued to charge me an escrow as if I did not have insurance coverage. They are using my house payment to pay the tacked on escrow charges to pay for insurance they added that was not needed because I already had coverage. Therefore resulting in late fees/missed payments ; when in actuality my payments are being paid on time each month! This has caused my credit score to plummet drastically, because they are reporting to the credit bureau that I have late or missed payments. I have tried multiple attempts to contact Shellpoint to rectify this issue without success. Each time explaining the issue with no resolution. They have promised to open cases to look into it and nothing has occurred. I have even had the insurance company fax them the information multiple times. I have been dealing with this for over a year. They are now threatening to foreclose on my home for a mistake they are responsible for. I can't afford to pay them monies that I do not rightfully owe! I have attached the initial letters they sent regarding my insurance. Each time I reached out to XXXX with whom I have coverage, who, then in return faxed proof of my coverage to Shellpoint. I have also attached my insurance declaration that proves I never had a lapse in my insurance and they should have never added escrow to my account to cover insurance they provided. I have also included a screenshot of my credit report with negative marks. I can also provide on request, proof of my bank accounts where the payments have been made on time each month, I have not missed nor been late on any payment. I don't understand how this company is allowed to continue to operate, when there has been numerous complaints and lawsuits regarding the same escrow issue. I would like to get this issue finally resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I have been disputing the following debt " CREDENCE RM '' aka " XXXX XXXX XXXX XXXX  '' for over 120 days and have sent 4 rounds of dispute letters stating that the unverified items is in violation of federal law and is being reported incorrectly on my credit report. They have yet to show or provide me with any proof that this debt belongs to me. The first dispute was sent out on XX/XX/XXXX the second rounds of disputes was sent out on XX/XX/XXXX, the XXXX on XX/XX/XXXX and the final dispute was sent out on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-19 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: CA

Complaint narrative:
An accordance with the Fair Credit Report act XXXX  Account # ( cant find ) has Violated of my rights 15 U.S.C 1681 section 602 A State I have the right to privacy 15 U.S.C 1681 section 604 A section 2 ; it also states a counsumer 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 2022-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland funding collection agency is reporting debts on my credit report that are too old to report. They changed the opened dates to recent dates which is not truthful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
A debt collection account was removed from credit report XXXX XXXX XXXX XXXX ). Equifax dropped credit score XXXX points, but should have increased points due to removal of collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights to privacy.

15 U.S.C 1681 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 2022-05-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: SD

Complaint narrative:
FedLoan servicing consolidated two federal loans with out my authorization or signing of master promissory note with them then I contacted them in XXXX of XXXX  to get the loan with them unconsolidated and they were unhelpful in gettin it done. After I secured a new consolidated loan with a different company in XXXX. They received a payoff check from the new company and then sent my loans back to XXXX where they should have stayed. After I received calls from XXXX about having a loan amount with them. I called FedLoan asking how they transferred a loan back with no money owed. They told me that they finally unconsolidated my loan. When I asked them about the pay off check they had no answers. I was able to get an answer after multiple calls and countless hours on hold saying I now need to contact the IRS to find out the status of the payoff check. This check is needed urgently to send to XXXX so I am only paying one loan the correct one and not two different ones to my new company and XXXX. FedLoan employees have not been professional during the calls, rude and unable to give answered to questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2022 I submitted a dispute with Experian. On XXXX XXXX I received an email stating that my dispute had been updated and would be able to view the results ( Report number being XXXX ) Upon checking I realized that some accounts had been removed others had came back as verified.I sent over a letter via certified mail with tracking number being ( XXXX ) which had been delivered as of XX/XX/XXXX, at XXXX to XXXX, TX. 

I asked Experian to verify XXXX XXXX ( account number XXXX ) pursuant to 1681i ( 7 ) Description of the reinvestigation procedures. A consumer reporting agency shall provide to a consumer a description reffered to in a paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

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 2022-05-19 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:
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 # XXXX XXXX XXXX  XXXX # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: PA

Complaint narrative:
In the beginning of XXXX a company by the name of XXXX XXXX  called my mother. My mother told me and I called them back. They wouldnt tell my mom who exactly they were so I called them back to figure out who they were. Just in case they were a doctor or a job. Who knowns. He tell me about some debt that he thinks I owe. I realized what he was trying to do. So I blocked the number. Yet he keeps calling. If he calls again it will be a XXXX dollar fine. The credit companies allowed this people to report false information on my credit report. According to the Fair debt collection / 15 USC 1692 ( D ) consumer law. This is illegal and he has called me over 15 times this is illegal and needs to be removed from my report. Their number is XXXX ( XXXX ) XXXX. I have attached the screenshot evidence below.

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 2022-05-19 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: PA

Complaint narrative:
In the beginning of XXXX a company by the name of XXXX XXXX  called my mother. My mother told me and I called them back. They wouldnt tell my mom who exactly they were so I called them back to figure out who they were. Just in case they were a doctor or a job. Who knowns. He tell me about some debt that he thinks I owe. I realized what he was trying to do. So I blocked the number. Yet he keeps calling. If he calls again it will be a XXXX dollar fine. The credit companies allowed this people to report false information on my credit report. According to the Fair debt collection / 15 USC 1692 ( D ) consumer law. This is illegal and he has called me over 15 times this is illegal and needs to be removed from my report. Their number is XXXX ( XXXX ) XXXX. I have attached the screenshot evidence below.

Company response to consumer: Closed with explanation