vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-10 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Comenity CapitalXXXX XXXX due to incorrect reporting on my credit report. I opened an account in store with this creditor in XX/XX/XXXX. I made my first payment on XX/XX/XXXX with my checking acct but due to previous fraud issues with my bank, XXXX returned the payment. During the dispute process with the credit bureau agencies, I provided a copy of the bank statement showing where the payment was made and I also called the creditor and explained what happened but my concerns were disregarded and I was told that there was nothing that they could do. However, the late fee of {$29.00} was waived on XX/XX/XXXX, XXXX.I disputed the account as incorrect reporting information a total of 2 times, first time the result came back as {$3.00} past due as of XX/XX/XXXX ; second time the results came back as being updated as another 30 days past due ( XX/XX/XXXX ) which is incorrect. How am I past due for XX/XX/XXXX when my bill is not due until XX/XX/XXXX? Upon finding out these results, I contacted the creditor on XX/XX/XXXX only for my concerns to be disregarded a second time and was told they are not showing that the acct is past due for XXXX and that my account would be notated. I am in the process of purchasing my first home and this is hindering me from being able to do so. I am asking that the creditor would update and furnish the credit reporting agencies with the correct reporting information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-10 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
On XX/XX/XXXX, I sent American Honda Finance Corporation d/b/a Honda Financial Services ( HFS ) a Validation of Debt letter and a Cease and Desist pursuant to 15 U.S. Code 1692c. HFS is in receipt of these documents as verified by XXXX return receipt as well as confirmation from XXXX in the Post Recovery Department. 15 U.S. Code 1692c ( b ) says a debt collector such as HFS can not contacting third party regarding myself, the consumer, or any of my private information. On XX/XX/XXXX, HFS contacted third party XXXX, gave them my private consumer information without my consent, and ordered them to illegally repossess my property. XXXX then contacted a fourth party XXXX XXXX XXXX XXXXXXXX and gave my private consumer information without my consent to them as well. XXXX XXXX XXXX XXXX  damaged my driveway in their process of stealing my property. HFS never sent proper legal notice of their intention to take such action of stealing my property. The illegal repossession of my property is an individual act against 15 U.S. Code 1692e ( 4 ). XXXX in the Post Recovery Department told me in order to get my property I would need to pay the alleged debt or my property would be sold at auction. This is an individual act against 15 U.S. Code 1692d ( 4 ). On XX/XX/XXXX, I sent HFS a Notice of Billing Error regarding errors found in the the Federal Truth in Lending disclosures section of the contractual agreement pursuant to 12 CFR 1026.13 ; 15 U.S. Code 1666 ; and 15 U.S. Code 1693f. HFS is in receipt of this Notice as verified by XXXX signed return receipt. HFS has ignored this Notice and ignored its obligations to provide the documentary evidence described in the notice. Pursuant to 12 CFR 1026.13 ( d ), HFS can not collect any disputed amount or accelerate payment without resolving the billing errors HFS has been notified of. HFS says they have a lien on the property through the contractual agreement that I have disputed on XX/XX/XXXX due too several errors found on the contract, gave a third AND fourth party, who were not involved in the original credit transaction, access to my personal consumer information without my consent. HFS has illegally repossessed my property without lawful notice of their intent to take such action. Again, this action is an individual act against 15 U.S.Code 1692e ( 4 ) and is fraud and illegal in the collection of any debts. This is a right secured to me by this code herein and the 4th amendment of the U.S Constitution. I have also filed a complaint with the Texas Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: NC

Complaint narrative:
I am a victim of identity theft. I filed my Identity Theft Report with the Federal Trade Commission on XX/XX/2022, report # XXXX I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 

I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 

Please send me a letter explaining your findings and actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: FL

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 non-monetary relief
Consumer complaint received 2022-01-10 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: MA

Complaint narrative:
I previously filed a complaint with the CFPB for Equifax, because I sent the company a notice stating that I never authorized any of the accounts on my credit file and demanded that these account be removed. Even after submitting the complaint to the CFPB and mailed a affidavit, Equifax is still reporting a company that I never authorized. This is humiliating me and causing me a lot of mental anguishing to have these accounts removed. This is a clear violation of the Fair Credit Reporting Act and I do not know why the Equifax is not removing these accounts when I am the consumer. I Have submitted another affidavit demanding the removal of these accounts and I am filing another complaint so this can be resolved as soon as possible. I am in the process of looking for a apartment and this is making my whole situation harder. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
When I attempted to unfreeze my account at Equifax, I got a message that I had to call them. When I called them on XX/XX/2022 at XXXX I was asked identity questions which I answered to the best of my memory. This information was not good enough where by the person at Equifax sent me a text message to obtain my drivers license and my picture. The text was not working whereby he sent the text to me again. Again it failed to work and then I was informed that, I order to get my credit unfrozen, I needed to send them a letter stating what I needed along with a picture and a copy of my social security card. I asked to speak to a supervisor who actually sounded just like the person who was attempting to help me. 

While I appreciate the company safe guarding my information, I have had no problem with XXXX or XXXX unfreezing my account on XX/XX/2022. I have and continue to have difficulties with this company Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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:
Unauthorized inquiry on consumer report I have informed Equifax, XXXX and XXXX to remove hard inquiries off my consumer report due to not having my consent but they have willfully non-complied. Ive sent in multiple letters on the FCRA laws that govern them and they have still not responded by removing these hard inquiries. 

XXXX XXXX XXXX XXXX This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third-party with my private or personal information your offenses amount to Aggravated identity theft pursuant to 18 USC 1028 ( a ). You have knowingly transferred, possess, or use, without lawfully authority, a means of identification of me, which is a felony punishable with up to two years of imprisonment, in addition to civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: MA

Complaint narrative:
I previously filed a complaint with the CFPB for Transunion, because I sent the company a notice stating that I never authorized any of the accounts on my credit file and demanded that these account be removed. Even after submitting the complaint to the CFPB and mailed a affidavit, Transunion is still reporting 2 companies that I never authorized. This is humiliating me and causing me a lot of mental anguishing to have these accounts removed. This is a clear violation of the Fair Credit Reporting Act and I do not know why the Transunion is not removing these accounts when I am the consumer. I Have submitted another affidavit demanding the removal of these accounts and I am filing another complaint so this can be resolved as soon as possible. I am in the process of looking for a apartment and this is making my whole situation harder. Please help.

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 2022-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP
State: MT

Complaint narrative:
I bought a used car over a year ago through a private sale. I have been trying since then to get a lien release from US Bank. I have been told that there is no record of the lien because records are only kept for 7 years. I have tried many times through phone calls and emails to get something in writing saying that there is no longer a lien on the vehicle to no avail. The state of MT will not complete the title transfer until this information is received. The vehicle VIN # is 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 2022-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: CO

Complaint narrative:
I received a letter from Weltman, Weinberg and Reis stating that I owe almost {$10000.00} for being an uninsured motorist involved in a car accident. 

I informed them that I have car insurance, have not been involved in any accidents and that the attempted debt collection was a mistake. 

They responded by sending a letter again demanding the {$10000.00} and this time including a police report stating the name of the driver at fault ( not my name ), the car involved ( not my car ) and the location of the accident ( a location that I have never been to ). 

It should have been quite obvious before sending the second letter that I have no involvement in this case. 

The case number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: DISCOVER BANK
State: CA

Complaint narrative:
I looked over my consumer credit report with XXXX, XXXX, and XXXX. they all have this Discover Bank account on my consumer credit report however each bureau is reporting on my consumer credit report differently with each credit bureau I disputed the information with XXXX and XXXX they are reporting false illegal and inaccurate information I would like this account removed, delete, and blocked off my consumer credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Since XXXX of XXXX, I started trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters was sent to the 3 credit bureaus ; Experian, XXXX and XXXX on XX/XX/XXXX and nothing has been done.

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 2022-01-10 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: TX

Complaint narrative:
Since XXXX of XXXX, I started trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters was sent to the 3 credit bureaus, XXXX, Equifax and XXXX on XX/XX/XXXX and nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Fidelity National Financial, Inc
State: CA

Complaint narrative:
Hello My name is XXXX XXXX we are trying to get a lien satisfaction letter from XXXX XXXX XXXX on our property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX we have the title but the deed keeps coming up with a lien on for XXXX XXXX XXXX XXXXXXXX is the trustee but they say they dont keep records which I thought by CA law trustees were liable to keep records, very little communication from XXXX XXXX XXXX  XXXX The info for XXXXXXXX XXXX is XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. Their phone # XXXX and XXXX our condo is siting in escrow with them going on 2 months now, escrow officer is XXXX XXXX. The date recorded was XXXX XXXX Doc # XXXX we are confident the lien has been satisfied or the property would of been put into foreclosure, thats why we feel the trustee XXXX XXXX  should have the records and should be responsible and they are no help at all thats why I find it important to file a complaint for some help, we have a buyer we are trying to keep.please dont hesitate to let me know if you need more info I would be glad to supply if I have it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
Problem : Requesting a physical check for the full balance in my PayPal account On XX/XX/2022, I called PayPal Customer Service at XXXX and talked with XXXX  who confirmed the PayPal Policy that a customer can " Request a check by mail ( Get it in 5-10 days for {$1.00} ) '', but she said that the customer must use the system to link debit/credit cards and a bank account number for an e-check to be transferred to my bank account. " Request a check by mail '' is NOT an e-check, as it involves sending a physical check via the U.S. Post Office. XXXX had already confirmed that the phone number I was calling from was on my account profile. Also, she could have asked me my mailing address and confirmed that it was correct on my account profile, but she did not. PayPal should be able to confirm a customer 's identity and mailing address via the phone, as other financial institutions do by asking questions. XXXX placed my call on hold at least twice, I'm assuming to talk to her supervisors. But to no avail, she insisted I use their system which clearly provides an option to click on to " Request a check by mail - Get it in 5-10 days for {$1.00} ''. See attached screen shot. But when I select it, it tries to force me to set up BOTH a debit/credit card and a bank account number. I suspect that what PayPal is really trying to do is prevent customers from closing their accounts. Having more services and products linked to the account prevents customers from closing their account. Given that my money in my PayPal account is NOT FDIC insured, I do not want to give them access to my bank routing and bank account number. No other financial institution requires me to sign up for more services or link other bank accounts to withdraw funds from my account when my intent is to close this account! 

They have denied me the ability to receive a physical check for the full amount in my PayPal account for {$1.00} fee on the call ; even though, I have a screen shot that clearly shows their company policy allows this. I also followed up with the same request to their email " XXXX '' after the call including a willingness to send them an image of my driver 's license, but as of XX/XX/2022 I have not received an email reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: SC

Complaint narrative:
I discovered the following inconsistencies in my Personal Information, and I would like to have all of the false and misleading information removed from my credit report. These inaccuracies have harmed my creditworthiness and limited my ability to obtain fresh credit, and I have been contesting them for a long period. 
I've made a list of the details on my personal information that is falsely reported and that must be removed immediately. 
Name : I do not have any other names or aliases required, and I do not want any other names or aliases to be kept or disclosed. 
Address : I do not have any additional current addresses, and I do not want other addresses to be kept or disclosed. 
Birthday : I do not have any other dates of birth that are required, and I do not want any other dates of birth to be kept or disclosed. 
Employers : I do not work for these employers listed and I don't want them to be kept or reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: CA

Complaint narrative:
I have ask to three credit bureaus Equifax to verify the bankruptcy they are reporting on file. They have responded saying they have already verified it with XXXX XXXX. PLEASE find attached a copy of a letter sent to me by XXXX XXXX saying they do not have this information on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Good afternoon I mailed out a certified letter to Equifax requesting to remove the extended fraud alert from my report, I provided the required documentation to prove my identify. I have not received a response from Equifax and neither has the alert been removed. 

Please see the attached file for a copy of the letter sent out along with the documentation provided. 

Please remove the extended fraud alert from my report immediately. 

Thank you,

Company response to consumer: Closed with explanation