vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-29 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: NC

Complaint narrative:
Account number : XXXX XXXX, XXXX, XXXX Violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ). Delete these accounts or remove the late payments to protect your company from lawsuits.

NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my XXXX, Equifax & XXXX consumer report, and I noticed you XXXX XXXX XXXX XXXXXXXX are reporting my transactions and experiences specifically late payments that you have posted on my consumer report from multiple accounts : Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) a report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) XXXX XXXXXXXX XXXX XXXX Making the report is NOT INCLUDED on my Consumer report! 


Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included in the consumer reports! 

YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

You have 10 calendar days to update my Transaction/Payment history and DELETE all late payments from the accounts listed in this letter and all accounts listed on my credit reports from your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
To whom this may concern, I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to thirty days to meet my requirements. If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately. 

Please delete the following inaccurate names : List of misspelled or inaccurate names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete the following inaccurate addresses : XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) : for a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; in accordance with the written instructions to the consumer to whom it relates. 
CREDIT REPORTING AGENCY NAME has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, or written instructions to do so. These actions have caused my family and me a great deal of injury.

Furthermore, I am filing this consumer complaint and consumer check for compliance with these particular items that you are reporting under FACTA Title 1 sec. 151. 
I have enclosed copies of my state-issued identification and social security number to validate my identity.

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 2023-04-29 00:00:00
Product: Credit card or prepaid card — Store credit 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:
Purchased item XXXX and charged to my XXXX XXXX XXXX XXXX. Received item on XX/XX/XXXX and the quality was poor and color off. Within the hour I returned through XXXX. I have proof of receipt and delivery back to XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX  admits they have the item back. Policy online states that refund within XXXX business days. Now they are saying they are backlogged and dont know WHEN they can process. Meanwhile bill/payment due and I shouldnt owe anything, since I had a XXXX balance before purchase. If the business admits to having their merchandise back, then how can they hold funds XXXX and require the customer to pay for NOTHINGbecause I have nothing. Comenity is playing crazy and has the oh well attitude. They are in cahoots. They are scammers and I feel like Im being robbed. Its XX/XX/XXXX and I keep getting hung up on or transferred back into cue by several reps. If I would have used my bank card then this would have been resolved because I have all my documentation. They get people to open these store cards so they can mistreat and rob people. What is my recourse??!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC
State: OH

Complaint narrative:
I filed an dispute with CFPB in XXXX and Wakefield failed to answer the dispute in a time manner, when they did response the repeated the same response that was given 120 days ago. XXXX dental was paid in full at the time of service, the insurance company gave XXXX dental a preauthorization prior to me recieving service and XXXX confirms they paid the preauthorization amount in full, they is not else owed. This claim is fraudlent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
JPMCB AUTO Balance {$8500.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX Balance {$8700.00} Balance updated XX/XX/XXXX All this information in accurate for my address XXXX XXXX  Balance {$1600.00} Balance updated XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
XXXX shows incorrect record from Merchants Credit Guide for a medical record not owned by me. They show records from that hospital multiple times. I have tried to reach many times to them and they validate that the person they intent to report is not me but someone else but again next time that appears in my report. I have lodged a complain with them sharing my Id details and report too.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising
Company: Westlake Services, LLC
State: OH

Complaint narrative:
On XX/XX/XXXX I purchase a XXXX XXXX XXXX. It was {$9200.00}, I had put down {$1000.00}. I financed with a bank called Westlake Financial. When I had first got the car I had notice that the air bags didnt work, I tried to reach out to XXXX XXXX via email and didnt get no response. Over time I had to replace certain items of the car such as the brakes, battery and engine. And the alignment is off on the car which means I cant drive safely on the highway I had went to a XXXX Dealership because I was looking to trade my car in for something else due to the XXXX break ins, they informed me about how much my car was worth and told me since I had several crashes on the car, my car value will decrease, I was completely confused because I was never informed about crashes in fact the Car dealer told me that nothing happened to the car it was ready to drive off the lot. I tried to contact him and he basically said it was nothing he was going to do for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 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: IL

Complaint narrative:
Experian shows incorrect reporting of a XXXX XXXX XXXXXXXX account on their reports which is frequently overlimit and delinquent. I don't own that account. I have raised dispute many times and every time they say their evaluation find that account belongs to me. I tried to reach XXXX  too many times and they say they don't see that account on my SSN. Please refer Experian report XXXX for XXXX account with $ XXXX.they are not sharing full account number to check with XXXX and with full account number XXXX  is not able to help or locate the account. It's been going on since 2020 and I am following up and raising the concern but it's not addressed. It has caused lot of negative impact on my score and the impact is still on.

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 2023-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
my social security number was used to apply for credit that was not mines these cards do not belong to me this is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 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: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX I received a phone notification that indicated my account was past due. I was not using the account and had paid the balance in full. After looking into the account I found on XX/XX/XXXX that I had, in fact, paid the balance in full of XXXX. When I inquired in XXXX, I was told there was an interest charge of {$2.00} that had been added to the account and then assessed late fees several times. The representative for the company informed me that these fees would be removed from my account by the next billing cycle and the late payments would be removed in 45 days from my credit report. The fees were removed from the account, however the credit report is still affected showing two back to back late of 30 and 60 days. I called the company again on XX/XX/XXXX after finding out that the status of the credit report had not changed reflecting that there were no late payments. I was told first that Express/Comenity Bank would not do anything further to help. I asked to speak to a supervisor and was then told that the documentation necessary to address the credit report was not submitted in XXXX when I first called and was being submitted now on XX/XX/XXXX and would take another 45 days. 
I am in the process of purchasing a home and put off continuing the process in XXXX as this error had dropped my credit limit on the card and my credit score. Now I am being further penalized by this predatory practice and being told possibly another 45 days. I have nothing in writing and no idea if anything has actually been submitted due to the company 's unethical practices and unwillingness to address the error in a timely fashion.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-29 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: FL

Complaint narrative:
I sent in dispute letters to all 3 credit bureaus regarding inaccurate items, I had found. This was done on XX/XX/2023. To date I have not received any notifications that they have begun investigating my disputes. This is a clear violation of the FCRA, and completely unfair to me as a consumer. By law I have the right to a fair and accurate credit report. 

I have attached the 3rd letter sent to the credit bureaus to this claim.

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 2023-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent in dispute letters to all 3 credit bureaus regarding inaccurate items, I had found. This was done on XX/XX/2023. To date I have not received any notifications that they have begun investigating my disputes. This is a clear violation of the FCRA, and completely unfair to me as a consumer. By law I have the right to a fair and accurate credit report. 

I have attached the 3rd letter sent to the credit bureaus to this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 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: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
XXXX XXXX Balance {$8500.00} Balance updated XX/XX/XXXX SANTANDER CONSUMER USA Balance {$8700.00} Balance updated XX/XX/XXXX All this information in accurate for my address XXXX XXXX Balance {$1600.00} Balance updated XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aspen Yo LLC
State: CA

Complaint narrative:
We applied for a modification but this company Gregory Funding wants to offer a forebearance. Its not to our benefit. We got a unfavorable agreement but we thought we had no other options. 
After paying a 3 month trial period they were to send the restructured affordable payment plan. We did not receive anything. 
I got a call from the shady company to continue to make the unreasonable payments until they get caught up with paperwork and send us a final work out plan. At that point we felt that was unfair and we needed help to stop this company from collecting more payments that were not part of the agreement. 
This XXXX XXXX XXXX charged us {$1500.00} A month for 6 months to submit. Mother application and prevent any foreclosure proceedings. They dropped the ball because by the time Gregory funding reviewed our paperwork they had already submitted a demand letter a month before they reviewed our forbearance plan. The representative called to inform us of the pending agreement we needed to sign before a certain date as there was already a demand letter sent to us but that was never done. We had to ask for the letter to be emailed, it was dated XXXX and we are in XXXX. 
I sent a freedom of information act letter to Gregory asking for the proof of documentation stating they have a claim to our property as it was sold several times. They were supposed to send documentation via certified mail within 20 days. To this point XX/XX/XXXX will be 20 days We have now been sent another threatening letter of foreclosure and letting us know that we can still apply for assistance through a modification packet. We are very stressed and feel nervous, Ive researched for any and all avenues to stop them from their unethical practices. There is a lot more to this and I have a lot of letters and demands that by RESPA we are entitled to information but they have not sent or responded to any of my demands.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 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: AL

Complaint narrative:
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S. Code 1681b Permissible purposes of consumer reports ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency, ( Bureau ), any WRITTEN CONCENT to report anything on my consumer report which Violates my rights as a federal protected consumer. NO CONCENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of these accounts listed IMMEDIATELY! 



Account Name : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts Listed XXXX XXXX  XXXX XXXX XXXX XXXX Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INCORRECT ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 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: TN

Complaint narrative:
i reported XXXX re-aging my account to equifax and requested that they remove the debt because according to consumer law " When you provide information to a CRA, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. '' equifax said they did an investigation and the re-aging dates were still on my account. 
as per the attachment equifax never did an investigation or made sure the debt was valid on their site. 

equifax let XXXX  re-age my account for their persoanl gain. 

equifax complied with bridgecrest and since transunion gets paid by bridgecrest to report both parties willfully conspired to deceive me and harm my credit for their profit and gain.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 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: American First Finance, Inc.
State: NY

Complaint narrative:
As of XX/XX/29 this account American first finance an XXXX is reporting as a auto loan Ive disputed this account with the credit bureaus and company repeatedly with there investigation this account remains unchanged and verified with the company after being disputed I HAVE NEVER had a auto loan ever! And explain this to the company and they refused to removed this account for falsely reporting inaccurate information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-29 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: AL

Complaint narrative:
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S. Code 1681b Permissible purposes of consumer reports ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency, ( Bureau ), any WRITTEN CONCENT to report anything on my consumer report which Violates my rights as a federal protected consumer. NO CONCENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of these accounts listed IMMEDIATELY! 



Account Name : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts Listed XXXX XXXX XXXX XXXX XXXX XXXX Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INCORRECT ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL 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