vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: LA

Complaint narrative:
I have been disputing this account with the three credit bureaus since last year. The company was deleted last year off my credit reports and now it's back on my credit report. I have filed a police report and a FTC report. I called the company a few months ago to get the problem resolved and it still remains on my credit report. I even sent them a debt validation letter requesting them to send me documents but they failed to do so. I am a victim of identity theft and I never opened this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: IL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2024-01-17 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I XXXX XXXX XXXX, consumer, am not liable for the alleged debt to XXXX XXXXXXXX XXXX. I do not have a contract with PORTFOLIO RECOVERY. they did not provide me with the original contract as requested nor did they provide me with my rights and how to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: FL

Complaint narrative:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2024-01-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: AZ

Complaint narrative:
Bridgecrest allows their borrowers to request an extension on a payment, but they are discriminating against me and not allowing me to request this. 

They are adding unnecessary steps advising me that my account must be delinquent before I'm allowed to request a forbearance. I feel they are doing this intentionally in order to discriminate against certain borrowers. 

When I called to speak to a supervisor and let them know my situation I was laughed at and humiliated and told I was speaking to highest level supervisor and they also refused to assist me in this matter. 

I should be able to call before my payment is delinquent to request a one month extension. I will be traveling and unable to call after the payment due date. I am being a responsible borrower doing the right thing letting the service know early and they are doing everything possible to force me into a negative credit situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have called Experian and XXXX XXXX to dispute the late payments on file as they are inaccurate. I have mailed out letters trying to dispute this inaccurate information as it is holding me back when it comes to purchasing major items. Experian keeps telling me that the information provided by XXXX XXXX is correct and has not shown me proof. I have submitted proof of payment and still to no avail they have not removed it from my credit profile. I am trying to purchase property and this is really hindering me from doing so I am asking CFPB to look into this and I will also be providing you proof of payment.

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 2024-01-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
SOMEONE PULLED MY CREDIT TO TRY AND OOPEN AN ACCOUNT WITHOUT MY KNOWLEDGE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I started calling XXXX on XX/XX/XXXX regarding a hail claim. It takes forever to get through their automated system. I think there were more than 20 questions and several were repeated more than once. I eventually agreed to leave my contact information to have someone call me back. It said I would not loose my spot in line if I left a message to call me back. No one called me back for the next three days so I called again. 

I called back on XX/XX/XXXX. Per my notes I was on the phone 42 minutes, then spoke to XXXX. He opened a claim profile and sent me the package. We had some discussion about my claim since it was over {$40000.00} where they want me to mail them the check and sign it over to them, whereby they would disperse when they were satisfied their requirements were met. XXXX told me since my initial check was under {$40000.00}, they would endorse it over to me so I could get the repairs started but once the total paid went over {$40000.00}, they would go into their more involved process where they required I endorse the funds over to them and then they would hold them in escrow until they sent inspectors out and were otherwise satisfied the work was done correctly. 

I sent in the insurance check with my cover letter on XX/XX/XXXX. Being the holidays, I did not expect an immediate response but hearing nothing for three plus weeks, I emailed and faxed the listed email and fax number on XX/XX/XXXX. Since I sent it late in the day, they probably did not get it until the XXXX. I received an automated email asking me to give them 48 hours to respond. 

Hearing nothing, I sent them a follow-up email and fax on XX/XX/XXXX. I received the same automated response. I received a read acknowledgement on the morning of XX/XX/XXXX. I have heard nothing more so I sent them another follow-up this morning. 

The roofer is ready to start the work but I need the check so he has the funds to get started. This should not take more than a month to turn around a check and it should not take more than a week to get a status update. 

I do not know why I should agree to sign over insurance proceeds to them so they can use my money for free if they are going to take more than a month to respond and ignore repeated phone calls, emails and faxes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I vehemently disagree with the Returned Check Fee and Returned Check Amount of {$63.00} that was assessed to my Lexus Pursuit Visa Account Ending in XXXX. 

I contacted XXXX about this matter and I was told that there is no record of any transaction in the amount of {$63.00} processed on XX/XX/ for checking account XXXXXXXX XXXX XXXX 

I am demanding all documentation and accounting from Comenity Bank Reference this disputed transaction. 

I have attached screenshots of my checking account statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: HW Holding, Inc
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX  violated my federally protected consumer rights to privacy and confidentiality under 15 USC ******* U.S.C **** section 602 A. States I have the right to privacy.

15 U.S.C **** section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 ***********. ( 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 ************* ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. I have also attempted to contact XXXX XXXX XXXX several times to request written proof of this debt, but they have failed to comply with this request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO.
State: ME

Complaint narrative:
I have a letter outlining what Ford and I agreed to. I as they advised contacted XXXX XXXX  XXXX talked to XXXX on the phone today and they stated we have a file but the information hasnt transitioned yet. My credit score has not be adjusted within the time Frame they gave in writing and again violates my rights as a consumer. They continue doing this. I need my credit report fixed. I want it off my credit but they should at the very least report it correctly

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX and TransUnion regarding the inaccurate reporting of a XXXX  on my credit report. I believe that both credit reporting agencies have violated my consumer rights by including false information that is damaging to my creditworthiness. 

Details of the Inaccuracy : Inaccuracy : Both XXXX and TransUnion are reporting a XXXX  on my credit report that does not belong to me. 
Explanation : Upon reviewing my credit report, I discovered that XXXX and TransUnion are inaccurately reporting a XXXX  that is not associated with my financial history. I have never filed for XXXX, and this erroneous information is having a detrimental impact on my credit score and overall financial well-being. 

Steps Taken to Address the Issue : I have taken the following steps to rectify the situation : Contacted XXXX and TransUnion : I have contacted both XXXX and TransUnion to dispute the inaccurate information through their dispute resolution processes. 
Documentation : I have provided supporting documentation, including my credit reports, identification, and any relevant proof that confirms the error. 
Despite my efforts, the inaccurate XXXX  information persists on my credit reports, and it is crucial that prompt action is taken to rectify this situation. 

Requested Actions : I kindly request the Consumer Financial Protection Bureau to investigate this matter and take the necessary actions to compel XXXX and TransUnion to correct the inaccurate reporting on my credit reports. 

Enclosed with this complaint, supporting documentation that may aid in your investigation. 

Thank you for your attention to this matter. I appreciate your assistance in resolving this issue and ensuring the accuracy of my credit reports.

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 2024-01-17 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: CT

Complaint narrative:
I AM A VICTIM OF ID THEFT FROM THE EQUIFAX DATA BREACH engagement number ( XXXX ). THESE FRAUDULENT ACCOUNT ARE DEMAGING MY NAME AND STOPPING ME FROM GETTING MY HOME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 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: ME

Complaint narrative:
In accordance with the Fair Credit Reporting act 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. 15 U.S. Code 6802 Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 15 U.S. Code 1681b Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 18 USC 1028A provides that aggravated identity theft occurs when a person commits a crime and also knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: KY

Complaint narrative:
I asked the Credit Bureaus to a proper verification of my credit report ; in reference to a dispute of some problems I was having with some creditors. They concluded that every thing was verified. Upon further research conducted by myself I found inaccuracies involving my credit report even they conducted their through research. This information can be found in all three credit Bureaus reports previously filed to your in my last CFPB complaint filed under # XXXX, XXXX, XXXX. The dates, amounts owed and statue of terms of the debts are of question. also. 
. 
In accordance to the fair credit reporting act convergent the above Bureaus/Creditors has violated my rights 15 U.S.C. 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 section States 602 A Section 2 ; also states a consumer reporting agency can not furnish a account without written permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: KY

Complaint narrative:
I asked the Credit Bureaus to a proper verification of my credit report ; in reference to a dispute of some problems I was having with some creditors. They concluded that every thing was verified. Upon further research conducted by myself I found inaccuracies involving my credit report even they conducted their through research. This information can be found in all three credit Bureaus reports previously filed to your in my last CFPB complaint filed under # XXXX, XXXX, XXXX. The dates, amounts owed and statue of terms of the debts are of question. also. 
. 
In accordance to the fair credit reporting act convergent the above Bureaus/Creditors has violated my rights 15 U.S.C. 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 section States 602 A Section 2 ; also states a consumer reporting agency can not furnish a account without written permission.

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 2024-01-17 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: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below, I do not consent to XXXX or any means of automated verification, are still reporting on my credit reports in violation of federal law. The 3 Credit Bureaus failed to comply with the FCRA 15 USC sections 1681i within the time declared by law and continued reporting unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please DELETE the following accounts completely from my Credit Reports : XXXX XXXX, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Self Financial Inc.
State: GA

Complaint narrative:
I been with Self Lender since XX/XX/XXXX XXXX  and XXXX of this year would have been 2 years. I referred my roommate. He asked could he make payments off my card if he give me the money. I said yes. 4 months before the end of my 2 year loan. Self close my account, disabled my login so I cant log in to make a payment. When I talk to them I get the run around. Now today they ask for documents of my payment methods and like I told them some banks wouldnt give me debit cards bc I had no credit so therefore I had to use some one else debit card. But none of my payment came back as fraud or anything illlegal. So when I asked the documents I need to send. They have no number to that department and I have to email them. I have not got a response yet. Instead of self helping me its hurting me. Im going to have missed payment on credit and possibly go into collections if they dont give me payment information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: IL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I have sent validation of debt letters to I.C. Systems, INC regarding a debt collection on my credit report for the amount {$380.00} that was opened on XX/XX/2022 and company has not provided proof of debt but keep adding it to 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 explanation