vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-06 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: OneMain Finance Corporation
State: PA

Complaint narrative:
I have five hard inquiries that I would like removed from my report that still seems to appear on my credit report that inquiries are : One main financial, XX/XX/XXXX OneMain financial, XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX Also I have misspelling in my name in my personal information settings, and misspelling in my address also along with additional wording on to my name or address areas of the information provided for me that are incorrect. 
Also I had a card that recently closed that I am unaware of why it closed, XXXX XXXXXXXX XXXX  which impact my credit report as well as far as my credit age. 

Also it seems to me that most institutions such as XXXX XXXX and XXXX XXXX have late updates as far as payment history and other reported updates and I've been having problems with my XXXX XXXX XXXX not being up to date with the payments as well so the reports are being updated pretty much late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: AZ

Complaint narrative:
Calvary Portfolio has placed a fraudulent account on my personal credit report. I have not ever transacted business with this company. I have not ever signed a contract with this company. I have not ever received an advancement of money or credit from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: PA

Complaint narrative:
I applied for a car loan and was denied because my credit score was reported by Experian at XXXX to police and fire federal credit union. Experian states my credit score is XXXX as XX/XX/2023. The credit union will not take my report sent to me by Experian stating XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Acoount # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
LVNV FUNDING has placed a fraudulent account on my personal credit report. I have not ever transacted business with this company. I have not ever signed a contract with this company. I have not ever received an advancement of money or credit from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
I purchased my vehicle through All approved auto sales, and they informed me that I was allowed to obtain a vehicle for {$20000.00} in which I just came across that the loan was immensely impacted and that what I signed off on was not what I expected to, and I tried to refinance my vehicle due to hardships, they told me that there was nothing they can do. The car is only worth {$10000.00}, the payout owed is {$34000.00}. Because I was behind on my payments, they stated that I had to pay more than what I was already paying, they do not work with you. I can't even trade the vehicle in because I'll still owe a lumpsum that's deterring car companies to turn me away because of the negative equity. My credit is heavily impacted by them, and I can no longer afford these payments. I was also told that I had GAP coverage and, on the payout, quote I was informed that I don't. I were scammed through All Approved Auto Sales in XXXX, NJ and I am looking to seek legal services in regard to 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 monetary relief
Consumer complaint received 2023-06-06 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I am stating that I have not received any communication from the debt collector regarding the alleged debt. Their failure to contact me directly has caused confusion and concern. I request a thorough investigation to verify the debt 's legitimacy and protect my consumer rights. I urge the debt collector to adhere to relevant regulations and demonstrate due diligence before taking further actions. I seek a fair resolution that allows me to address any valid concerns and upholds my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06 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: IL

Complaint narrative:
I have contacted Equifax several times about the inability to access my account, the reporting of inaccurate information, and the removal of an inquiry I did not authorize. I have sent letters, spoke on the phone, and submitted online disputes through a 3rd party. I have not received any information or proof of owing certain debts. Also, disputes have been pending over the 45 allowable days with no response. 
The information for my student loans is incorrect. The information is outdated and showing I still have debts, and all accounts are paid and no longer owing. 
I have asked them to remove an inquiry from XXXX from XX/XX/2022 because I have not authorized any application from this retailer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Stark Collection Agency, Inc.
State: UT

Complaint narrative:
We had service with XXXX XXXX for over a decade. Our HOA changed to XXXX XXXX so we called XXXX  and canceled service. We called their XXXX number and spoke with them and was told the account was cancelled. We have always paid with an automatic debit on our CC. After cancelling our credit card was charged again. We contacted XXXX for a second time and cancelled. We were again told by the customer service that the account would be cancelled and no further charges would be made. They said they had no record of the first phone call. The next month rolled around and they charge our CC again. We called them a third time and told them that this was fraud and it was not okay to continue to charge our card. We told them to make sure the account was cancelled and we would be contacting our CC company to report the second charge as fraud. We sent the info to our CC company and they denied the second charge. We heard nothing more from XXXX about the matter. We then get a letter from a Collection agency saying we owe XXXX. We contacted the agency and they said they could do nothing and to take it up with XXXX. I have spent over an hour on the phone today and gotten nowhere. They say they have no records of our phone calls to cancel and the charge is valid. They said if I can't produce days and times of our calls they can't do anything. This is how loyal customers of over a decade are treated. They conveniently have no record our calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Theyre asking me to pay a debt that I do not owe I take the position of alleged obligator not the obligator. Per 18 U.S. Code 8 - Obligation or other security of the United States defined

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 2023-06-06 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Inquired about being a co signer for a relative company promised for a soft pull which then added a hard inquiry and I wasnt a co signer my relative was approved on his own, they never needed me now I have all these hard inquiries.

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 2023-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This Inquiries is not mine and it's totally XXXX, I'm not aware with those Inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06 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: IL

Complaint narrative:
I'm reaching out to your company because I am seeking assistance with having the credit bureaus do their due diligence in rectifying discrepancies found on my credit reports. This issue is has been escalated because the companies are failing to do their job. 
In XX/XX/2023, I initiated factual dispute letters on behalf of myself to Trans Union, XXXX, and XXXX. The letters contained detailed information and facts to support my claim of an accuracies on my credit report The accounts that I disputed were the Department of EducationXXXX XXXX XXXX XXXX and XXXX. All of these accounts are reporting inaccurate information to the three credit bureaus which is detrimental to my financial health. 
Previously I have submitted disputes but I am encountering the same results with each bureau as they are claiming to have done investigations in which the information is verified through templated responses. However, I challenge that as incorrect/not legitimate as it only takes a quick look at the reports, l to see that something is amiss. They have a responsibility to reports verified, fair and accurate information and they are not doing so. I also reached out to the creditors and they are unable to provide assistance. 
I did receive correspondence from the bureaus and I will attach it in the attachments section of this complaint form.

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 2023-06-06 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: IL

Complaint narrative:
I'm reaching out to your company because I am seeking assistance with having the credit bureaus do their due diligence in rectifying discrepancies found on my credit reports. This issue is has been escalated because the companies are failing to do their job. 
In XX/XX/2023, I initiated factual dispute letters on behalf of myself to XXXX XXXX, Equifax, and XXXX. The letters contained detailed information and facts to support my claim of an accuracies on my credit report The accounts that I disputed were the Department of EducationXXXX XXXX XXXX XXXX and XXXX. All of these accounts are reporting inaccurate information to the three credit bureaus which is detrimental to my financial health. 
Previously I have submitted disputes but I am encountering the same results with each bureau as they are claiming to have done investigations in which the information is verified through templated responses. However, I challenge that as incorrect/not legitimate as it only takes a quick look at the reports, l to see that something is amiss. They have a responsibility to reports verified, fair and accurate information and they are not doing so. I also reached out to the creditors and they are unable to provide assistance. 
I did receive correspondence from the bureaus and I will attach it in the attachments section of this complaint form.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
they called my daughter and told her about debt. this debt past statue of limitations if it mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: OH

Complaint narrative:
This account has been permanently deleted from XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
This account has been permanently deleted from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ

Complaint narrative:
I am a prior tenant of XXXXXXXX XXXX in XXXX, AZ, owned by XXXX XXXX XXXX XXXX- I moved out on XX/XX/XXXX. On XX/XX/XXXX I received an email notification from XXXX XXXX at XXXX XXXX Department notifying me of a {$140.00} outstanding balance, which I assumed was from XXXXXXXX XXXX. There was no explanation to this charge, so I immediately replied to this email ( I " replied-all '' to XXXX and XXXX ) to ask for clarification. I never received any response and never received any additional correspondence from either XXXXXXXX XXXX  or XXXX about this charge - I assumed it was sent in error and the charge was rescinded. 

In XXXX of XXXX I started receiving credit score alerts notifying me of my credit score lowering, which caught me by surprise. Upon investigating the derogatory mark responsible for lowering my score, I saw it was due to a new collections account appearing on my report, which is Genesis Credit Management on behalf of " XXXXXXXX XXXX XXXX. '' On XX/XX/XXXX I " replied-all '' again to my email I had sent back on XX/XX/XXXX asking again for an explanation of charges and demanded they cease credit actions against me- I still have not received a response. On XX/XX/XXXX I called XXXXXXXX XXXX to ask for an explanation of charges and I was told " my account is closed and only XXXX can address my issue. '' I was not, however, provided with any direct number of any XXXX employees ( despite my repeated requests ). I was only provided with a generic XXXX  number, which I called and left a voicemail with ( on XX/XX/XXXX ) where I referenced my situation and email correspondence, and still I have not heard back from XXXX. 

Please help. It feels criminal that XXXX can damage my credit score for an unpaid debt they never explained/justified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: WI

Complaint narrative:
I contacted Mohela on XX/XX/XXXX via email to request reimbursement of payments I made during COVID. I made XXXX payments : XX/XX/XXXX paid {$1000.00}, XX/XX/XXXX paid {$6500.00}, and XX/XX/XXXX paid {$7500.00}. I did not receive any response to this email. I also mailed a letter to follow up and never received a response. I began calling in XXXX of XXXX. Initially I was told they would reopen my loan ( it had been discharged through the PSLF program ) before refunding my payments. I was told this process would take 90 days. After 90 days, I called again and was told nothing had been noted on my account so the process had not even begun. They began this process in XXXX, and I was again told it would take 90 days. Most recently, on XX/XX/XXXX, when I called to follow up I was told they were issuing a reimbursement in the amount of {$5400.00} but they were not able to explain to me why they were refunding this amount and not {$15000.00}. In addition, my current principal/payoff amount is now reading as {$23000.00} and no one can explain that amount either. Each time I call I am on hold for hours. Today when I called asking to speak with XXXX in the Resolutions Department and provided her extension that she had given to me, I was not able to speak with her and waited on hold for XXXX minutes.

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 2023-06-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: PENTAGON FEDERAL CREDIT UNION
State: LA

Complaint narrative:
Dear XXXX XXXX In this notice, I am responding to your letter dated XXXX XXXX XXXX, for an Auto Loan Application Letter # XXXX. I find it difficult to understand your decision. I would like to request an investigation of all accounts on file related to credit transactions, payment derivatives, and debt securities, on behalf of XXXX XXXX ( Including debts and credits with checking and savings account as well. ) Please find the notice attachments below. 

Please note : The letter I received from your company PENFED CREDIT UNION dated XXXX XXXX XXXX was not signed. Please send a signed letter with an actual person 's name to for validity. Thank you. 
XXXX 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 explanation
Consumer complaint received 2023-06-06 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act Company : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone : ( XXXX ) XXXX Account : XXXX Company : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Phone : ( XXXX ) XXXX Account # XXXX, Account # XXXX, Account # 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

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 2023-06-06 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: WI

Complaint narrative:
I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: WI

Complaint narrative:
I did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from my credit report.

Company response to consumer: Closed with non-monetary relief