vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-02 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: FL

Complaint narrative:
This is XXXX XXXX and I am submitting this CFPB complaint in response to the Credit Bureaus ' recent investigation. I do not agree with the Credit Bureaus ' findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting these information on my report and because of this I am now asking the Credit Bureaus for more information regarding these particular items in question : XXXX XXXX XXXX  Opened XXXX XXXX XXXX  XXXX : {$250.00} - I demand immediate confirmation of the payment history and status of this account. Your records are not consistent with my own and I believe that the information being reported is inaccurate. I have always made my payments on time and have not been late on this account. I demand a thorough investigation and prompt correction of any errors to ensure legal and lawful accuracy. 
XXXX XXXX XXXX XXXX XXXX Opened XX/XX/2019 Balance {$0.00} - This account has been paid and yet the current status is showing derogatory information that is unnecessary and damaging to my credit report, which is in violation of the Fair Credit Billing Act, 15 USC 1601, which serves to protect the consumers from unfair credit billing and credit card practices. This account should not be showing the current status of 30 and 60 days late since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. I need this erroneous account removed from my Credit file without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: IL

Complaint narrative:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

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 2023-05-01 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: NJ

Complaint narrative:
Collection agency reported a debt to All 3 bureaus iXXXX XXXX From a finance company XXXX XXXX XXXX XXXX And after the 7 years of being on my credit report XXXX and XXXX removed the debt but Equifax reinstated because XXXX XXXX COMPANY SOLD THE DEBT TO A Collection XXXX XXXX XXXX XXXX so now the same debt that been on my credit report has been reinstated as a new debt now today that same debt has been on my credit report since 2014 if there is anything that can be done I very much appreciate and thank you in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights. Under 15USC1681 section 602 states I have the right to privacy. 15USC1681 section 604-A section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15USC1666B a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: VW Credit
State: MI

Complaint narrative:
I have purchased my vehicle at the end of the lease. Audi financial team quote the final price. I have sent the check. they have cashed the check immediately. It's been more than four months and I am still waiting for my Title.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a XXXX XXXX  credit card account that is more than 7 years old from the first late payment shown on my credit report. wrong late first payment date

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a XXXX XXXX credit card account that is more than 7 years old from the first late payment shown on my credit report. wrong late first payment date

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 2023-05-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Comerica
State: CA

Complaint narrative:
After applying for a HELOC with Comerica Bank, they asked me to add them as an additional insured, which I did. Then I recived a notice that my application is no longer active. 

After calling the Bank, they advised me that my loan was declined. I replied to the branch manager that this is innapropriate way of notification. My loan should be declined and reasons disclosed, not make my application innactive Now I don't know why I was put on innactive, and why I was declined Additionally, I need to remove them as additional loss payee Totally innapropriate and in complete violation of Reg Beach Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: Experian Information Solutions Inc.
State: IA

Complaint narrative:
On XX/XX/XXXX I enrolled into the XXXX XXXX XXXX XXXX XXXX Program which put ALL my student loans into CURRENT status and was to REMOVE any and ALL NEGATIVE/DELINQUENT OR DEROGATORY reporting on my credit reports. 

I pulled a copy of All Three of my credit reports yesterday and see that XXXX has it updated correctly, XXXX needs to remove an item but that EXPERIAN has it showing as a CHARGE OFF/DEROGATORY ACCOUNT IN COLLECTIONS! They state that it is more than 90 days late. 
They are violating my rights under 15 US C 1681s-2 ( A ) ( 1 ) which states that a information SHALL NOT BE INACCURATE on my report. 

They are violating my right to privacy under US C 1681 section 602 A as well as 15 US C 1681 section 604 A Section 2 which states that a reporting agency CAN NOT furnish my account with information WITHOUT any written instructions. 

Lastly and perhaps most seriously they are violating my rights under the FRESH START INITIATIVE which states Under The XXXX XXXX XXXX XXXX in accordance with the Education Department states ( 3 ) The negative mark of default on borrowers credit reports will be removed. 

( 5 ) Credit Reporting Changes.Starting in XX/XX/XXXX, defaulted loans held by ED are reported as current rather than in collections to credit bureaus. For loans held by a guaranty agency, this shift begins in XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01 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: IL

Complaint narrative:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

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 2023-05-01 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I received a copy of my credit report and found the following items to be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: IN

Complaint narrative:
today on XX/XX/XXXX XXXX  2023. I contacted Netspend about a prepaid, debit visa card given to me as a graduation gift. After calling netspend a multitude of times, I was asked the same questions over and over again saying that my information was protected by the patriot act however, after consulting with my father and his attorney, I realized that the information that I gave to netspend could be used for fraudulent activity, and I wanted to file a complaint, and potentially in the future, if my information is used, a civil suit against them. They are known to withhold money from clients and also use their clients information to conduct fraudulent activity. I wanted to get in front of it and make a complaint before that was able to happen because they have my Social Security number. They asked for personal documents to be sent and which was a red flag and that is why I am contacting CFBP. I asked multiple times on the phone of why they needed this information and they just kept saying that was protected by the US patriot act. They never gave me any answer, and basically said that the card would never be activated if I didnt give them, proof of residency, a picture of my drivers license, and a picture of my Social Security card, please let me know what to do. I am interested in potentially filing a civil suit.

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 2023-05-01 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: IL

Complaint narrative:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this.

See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: WI

Complaint narrative:
Chime has fraudulently had an account opened in my name and the confirmation address was XXXX, FL. 

I did not open any such account. 

Now I am being sent a debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: GA

Complaint narrative:
The account in question is reporting different on all three credit Bureaus. The information is inaccurate and the debt has been reporting for 7+ years and causing me to not receive credit approvals. I am stuck with denial after denial. 

Account ( s ) in question are : XXXX XXXX XXXX XXXX - Closed - Debt Charged of and then I paid Debt Settled to delete. Never happened. 
Transunion Acct # XXXX XXXXXXXX XXXX XXXX XXXX  XXXX ( Date of First Delinquency XX/XX/2016 ) still reporting negative and preventing me from getting new credit. 

XXXX # XXXX- Still reporting negative to date. 


XXXX XXXX XXXX - Closed - Debt Charged off and then I Paid to settle debt owed and was lied to by rep that it would be a pay to delete. After payment never deleted and now XXXX doesn't do paid for delete. 

This should be illegal get money or tax write off for charge off, lie about settlement pay to delete and the credit bureaus are still reporting negative information.

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 2023-05-01 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: GA

Complaint narrative:
The account in question is reporting different on all three credit Bureaus. The information is inaccurate and the debt has been reporting for 7+ years and causing me to not receive credit approvals. I am stuck with denial after denial.

Account ( s ) in question are : XXXX XXXX XXXX XXXX - Closed - Debt Charged of and then I paid Debt Settled to delete. Never happened. 
XXXX Acct # XXXX Equifax Acct # XXXX XXXXXXXX ( Date of First Delinquency XX/XX/2016 ) still reporting negative and preventing me from getting new credit. 

XXXX # XXXX- Still reporting negative to date. 


XXXX XXXX XXXX - Closed - Debt Charged off and then I Paid to settle debt owed and was lied to by rep that it would be a pay to delete. After payment never deleted and now XXXX doesn't do paid for delete. 

This should be illegal get money or tax write off for charge off, lie about settlement pay to delete and the credit bureaus are still reporting negative information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: GA

Complaint narrative:
The account in question is reporting different on all three credit Bureaus. The information is inaccurate and the debt has been reporting for 7+ years and causing me to not receive credit approvals. I am stuck with denial after denial.

Account ( s ) in question are : XXXX XXXX XXXX XXXX - Closed - Debt Charged of and then I paid Debt Settled to delete. Never happened. 
XXXX Acct # XXXX XXXX Acct # XXXX XXXXXXXX ( Date of First Delinquency XX/XX/2016 ) still reporting negative and preventing me from getting new credit. 

Experian # XXXX- Still reporting negative to date. 


XXXX XXXX XXXX - Closed - Debt Charged off and then I Paid to settle debt owed and was lied to by rep that it would be a pay to delete. After payment never deleted and now XXXX doesn't do paid for delete. 

This should be illegal get money or tax write off for charge off, lie about settlement pay to delete and the credit bureaus are still reporting negative information.

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 2023-05-01 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I disputed some inaccuracies and unclear items on my credit report in a letter, and more than 60 days later, I haven't heard back. I feel victimized and my complaints are being disregarded. I expect the immediate deletion of these accounts. I won't wait another 50 days.

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 2023-05-01 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
i need to remove all fraud alerts. and extended fraud alerts. all any statement need to be remove

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 2023-05-01 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
i need to remove all fraud alerts. and extended fraud alerts. all any statement need to be remove

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: GA

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

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

15 U.S.C 1681 section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: FL

Complaint narrative:
Dear Sir or Madam : I AM A VICTIM OF ID THEFT, THOSE LISTED ACCOUNTS AREN'T MINE. Please block those information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. * A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter and await your reply. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: FL

Complaint narrative:
Dear Sir or Madam : I AM A VICTIM OF ID THEFT, THOSE LISTED ACCOUNTS AREN'T MINE. Please block those information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. * A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter and await your reply. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation