vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I find myself in a perplexing situation where I have followed every instruction provided by your bureau, yet my legitimate claim is met with rejection. My journey through this harrowing experience of identity theft has been nothing short of a nightmare. Every step I have taken, every document I have submitted, and every report I have filed with law enforcement agencies has been executed meticulously and in strict accordance with your instructions. However, instead of the support, guidance, and swift action that I expected to receive, I have encountered repeated roadblocks and the disheartening message that my identity theft claim is not valid. Here are the accounts that needs to be removed from my credit file : XXXX XXXX XXXX XXXXXXXX XXXX. Please delete this account ASAP. I also want these inquiries to be removed immediately : XXXX XXXX XXXX XXXX XXXX, 2023, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXXXXXX XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I disputed this alleged debt online, I mail formal dispute to both collection agency XX/XX/2023 who are reporting the alleged debt to my consumer report and I requested document proof that : I am indeed the party you are asking to pay this debt ; the date of the alleged medical service; the name of the patient ; and the proof that there is some contractual obligation which is binding me to pay this debt. One of the letters I sent is still in transit and hasn't been deliver, which can only lead me to XXXX XXXXXXXX XXXX is reporting a false address on my consumer report and is not allowing me to exercise my rights to dispute anything on my credit report that is inaccurate. I was never notified in writing in reference to this alleged debt. Which is a violation of 15 USC 1692g. The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See attached documents. Remove this personal information that does not belong to me.

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 2023-10-03 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: LOBEL FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XX/XX/XXXX, I purchased a XXXX XXXX vehicle at XXXX XXXX XXXX XXXX in XXXX, Florida. I made a down payment of {$4000.00} in cash and financed {$14000.00} at 21.99 % interest though Lobel Financial. I was provided a phone number to make payments and never received a copy of the contract or any monthly statements for my loan. I made over {$15000.00} in payments and wanted to understand the payoff amount. When I called Lobel Financial, they told me that the contract was only in the name of my mother so they would not speak with me. Eventually, I got a copy of the contract, and it does not even have my name on it, and it has a fictitious address for my mother. My mother was never present in person, by phone, by video, or any other means. She did not place any signature on the contract, and nor did I, although someone did forge a signature for her that looks nothing like her real signature. I have records of the $ XXXX in payments and proof that I was the person who bought the car and drove it off the lot in XX/XX/XXXX. Lobel Financial can not deny that the contract was with me and only me. 

Given the situation, I decided not to make some payments, and Lobel Financial repossessed the car. I asked them for a payoff amount, and they told me it was {$10000.00} on XX/XX/XXXX. I contacted them by letter and asked them to put in writing that they would transfer title to me if I paid off the loan. They have not responded. When I call them, they will not take my calls or the calls of my agent. I need a written agreement from them to transfer title to me upon the completion of payments, and they can not charge me interest while they are holding the car XXXX and not providing me information that I am legally entitled to. 

This was my first time buying a car. I was a recent immigrant and didn't understand the language or the laws. Lobel Financial took advantage of the situation and charged me an exorbitant interest rate and now refuses to let me finish payments so that I will get the title in my name. I am a legal immigrant with protected status and have a good paying job for which I need a car for transportation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting 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:
I've diligently pursued resolutions for the inclusion of these accounts on my credit report, which are entirely unrelated to me. Unfortunately, my multiple dispute submissions have not led to the removal of these erroneous accounts from my credit history. In addition, I've taken the initiative to file numerous reports with the FTC regarding these accounts, which do not have any rightful connection to me. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting 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: MD

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX Acct # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Credit Management took me to court and garnished my pay. The WHOLE amount was deducted from my pay and the judge released the writ of garnishment almost a year ago, but Midland continues to report this on my credit report and charging me interest for 1 year after I have paid off the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
I am writing to you to request assistance in resolving a mortgage issue that has been ongoing and unresolved over a period of months.

I pay my mortgage ( auto-draft ) to Caliber twice monthly in two equal payments. 
These funds are used for the following month 's payment. I paid my mortgage one month in advance prior to starting the twice-monthly payments so that the two payments made in the prior month would be applied to the following month. 
When I inquired about making extra principal payments, I was told via a phone call ( customer service ) that all payments made in addition to my scheduled payments would automatically be applied to principal. 
The extra principal payments were not being applied to principal as I was told they would be. 
Later I noticed that I was being charged a late fee for each month. I was told the extra principal payments somehow confused the computer program? What does that mean? 
Upon calling Caliber, the customer service representative insisted that I was delinquent in my mortgage payments. I was not/have never been. 
I have called Caliber a number of times since then and was told that, because the extra payments were not marked as principal, they were not applied to it ( contrary to my previous conversation with Caliber ). 
On another call, I was assured by XXXX XXXX escalation department ) that I was not delinquent and this would be resolved and to call back. It was not. I called again and was told a message would be forwarded to him. 
In an effort to prevent confusion, I stopped my extra principal payments with my bank ( XXXX ) but have continued to make scheduled payments. 
I am still getting late fees applied to my mortgage... I am not late. 
I am attaching my payment history that indicates my payment, late charges and principal payments. 
Can you assist? I have not had a resolution since I started calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting 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: NY

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 2023-10-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: MA

Complaint narrative:
Submitted required ( electric bill with low income rate ) proof for deferment on XX/XX/XXXX. Website stated 7-10 business days, but after 14 it switched to : We're reviewing your deferment application we received on XX/XX/XXXX. Please allow time for your request to be completed. 

I got a PAYMENT/statement in the mail that is due XX/XX/XXXX. I called and waited on hold 2 hours before I had to go back to work. The payment is A LOT : {$300.00}. I can not pay this and do not want a late/missed payment on my account. 

They should have reviewed and approved my deferment by now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting 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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: NV

Complaint narrative:
I was waiting on a new direct express card to come via ups and I never received card the carrier just left card on my door step and someone stole it and used all my ssi money I got for the month of XXXX I don't know who it could be I have a lot of family and friends that come over and some know my personal information I'm very upset that no one had to sign for this being I'm already a victim of fraud with this company this is my minor XXXX son 's income I'm a advocate for him because of this my rent is late I risk getting eviction notice I learned card was already used when I called in on XX/XX/2023 and spoke with agent informing me card was activated and used at ATM for the entire amount of XXXX so I filed complaint and submitted fraud packet via email on XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting 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: NC

Complaint narrative:
My experian account has been compromised despite me having a freeze and pin on my account. Experian 's technology is compromised and hackers are able to steal accounts without any passwords or pins. How is this legal and no concern on their end and they suffer no repercussions? I need access to my account in order to open a specific line of credit I need. I am no longer able to log on or have any access to my account. I tried contacting Experian 50+ times via 4 different phone numbers and their automated service hangs up on you and does not recognize me since the hackers changed my information. I am baffled how this is possible and they need to do something about it.

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 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
On XXXX a letter was sent to XXXX in regards to incorrect reporting of 4 accounts. They were reporting a past due balance on an account that has been closed since XXXX as well as the dates did not match up with the dates on of the accounts and status provided by Experian and XXXX I have not received a response and it is now XX/XX/XXXX I am now requesting they be removed. The last dates of activity, last payment dates and even dates the accounts were closed and were open do not match, I also sent proof and the errors as well along with proof of 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 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX is reporting duplicate accounts for XXXX XXXX which dropped my credit score by XXXX points on XX/XX/XXXX. 

XXXX XXXX XXXX are held accountable for reporting inaccurate information that has negatively affected my credit score drastically. 

XXXX is allowing XXXX XXXX to report the same debt with the exact company twice on my credit report. The account has been reporting in my credit report since XXXX. 

XXXX has listed the account as newly opened. This type of behavior is unacceptable. This misconduct has caused loss of credit opportunities. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
XXXX debt collection company has been spam calling my phone from hidden numbers and blocked numbers. Ive asked for proof that the debt is mine and belongs to me which I have yet to receive from the company via email and phone. When they sent their first email I requested to not be contacted any further. Theyve been contacting me via email and phone claiming that I owe over {$600.00} to them from my Ulta card. My card had been used to purchase items that never were successfully delivered to me, therefore I am requesting proof of purchase since all deliveries required signature on delivery. I am willing to pay the fees if the debt can be proven as mine. 

But I do feel this company XXXX and Ultas Commenity bank has been repeatedly harassing me and XXXX  have even threatened me with various deceptive and false statements such as telling me they would have my wages garnished had I not worked to pay them or came to an agreement with them. XXXX  was very difficult to work with and come to agreements with .The company continually has violated FDCPA. Their means of communicating and contacting are very abusive, harassing and oppressive. When it was expressed that I was having a difficult time following and understanding the workers were very hostile and rude. They did not politely help me come to an understanding of what was being asked of me. In fact, when I asked questions the workers would get angry. They stated calls were recording so hopefully it can be reviewed for quality purposes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

The fraudulent account appearing on my credit report is : XXXX I sent a request to Transunion to have all of the incorrect information removed from my credit report, Pursuant to section 605B of the Fair Credit Reporting Act. I have sent them all the required documents ( Police report, Identity verification, Credit report with the false info circled ) but Transunion did not take any action regarding the incorrect and fraudulent information on my credit report. Transunion did not remove the fraudulent account. Meanwhile, the two other credit bureaus removed the fraudulent info .This is a clear violation of the section 605B of the Fair Credit Reporting Act and Transunion should be held accountable. 
Their inaction is making my life unfairly difficult.

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