vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: PA

Complaint narrative:
This is regarding inaccurate information on the XXXX Report for auto insurance reports. Im account holder, but incident report is under my wife XXXX, but incident happened with our daughter XXXX. However the issue isnt the name its under but inaccuracy of report! Report is for XX/XX/XXXX and has us At Fault for nearly {$6400.00}. The truth is, it is a XX/XX/XXXX and only for {$2100.00}. It is impossible for me to talk to someone at CLUE. I want this fixed ASAP on the report. And truthfully, they should reimburse me any fees this inaccuracy cost me regarding yearly rates for 3 years! See below XXXX XXXX, I do not have access to review the XXXX report, but I can confirm that the only amount paid for this claim is {$2100.00} for your vehicle repairs. 
You may provide this email as proof to your new insurance carrier that this is the only amount paid for this claim. 
I am copying your agent and detailed response has been provided below. 

From : XXXX, XXXX Sent : Wednesday, XX/XX/XXXX XXXX PM To : XXXX Subject : XXXX Good Afternoon, The assigned adjuster is out of the office. 
I have reviewed the claim and here is the information : Date of loss XX/XX/XXXX Driver XXXX XXXX driving XXXX XXXX XXXX loss occurred in parking lot area, backing and hit other vehicle also backing. We confirmed with both drivers that they did not see each other prior to the impact. Liability was finalized XX/XX/XXXX for each party. 
Appears adjuster spoke with XXXX XXXX to advise the same XX/XX/XXXX We denied the claim for the other persons damages. 
Payment for insured vehicle repairs $ XXXX {$500.00} = {$2100.00} paid to XXXX XXXX XXXX body and XXXX XXXX XXXX 
The claim is now closed. 



XXXX XXXX Claims XXXX XXXX Complex Senior Representative P : XXXX www.grangeinsurance.com

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 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: CA

Complaint narrative:
XXXX XXXX has reported to all 3 bureaus a 30 day late payment. According to the FRCA, creditors can report a later after 30 days. They have acknowledged that the payment was received on the XXXX day in XX/XX/2023, yet refuse to update their incorrect reporting. I have disputed this with all 3 bureaus as well, however the outcome has not changed.

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 2023-07-16 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:
XXXX XXXX has reported to all XXXX bureaus a 30 day late payment. According to the FRCA, creditors can report a later after 30 days. They have acknowledged that the payment was received on the XXXX day in XX/XX/2023, yet refuse to update their incorrect reporting. I have disputed this with all XXXX bureaus as well, however the outcome has not changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 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: CA

Complaint narrative:
XXXX XXXX has reported to all XXXX bureaus a 30 day late payment. According to the FRCA, creditors can report a later after 30 days. They have acknowledged that the payment was received on the XXXX day in XX/XX/2023, yet refuse to update their incorrect reporting. I have disputed this with all 3 bureaus as well, however the outcome has not changed.

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 2023-07-16 00:00:00
Product: Credit reporting, credit repair services, 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: VA

Complaint narrative:
I went online to view my credit report on MyEquifax.com. There is a soft inquiry from XXXX XXXX that I do not recognize. I do not have any medical bills and I pay my medical bill in cash or credit when I go to the doctor or critical care. Equifax has no information on the company and when I tried to contact Equifax via phone, there is no way to get a live customer service agent. They menu system doesn't have an option and I spent XXXX minutes going through all the menus. I next tried to contact Equifax through their Contact Us link. It has forms to fill out but there are no forms to get information on an Inquiry -- only to dispute incorrect information. On the other soft inquiries, it has the actual company that made the Soft Inquiry and they were all for account review. The inquiry marked XXXX XXXX is for account review but there is no company listed and Equifax does not provide the information on who made the Inquiry. I do not have a credit account with any medical collection company. My bills are all paid when services rendered. I do not give medical providers my SSN so the company that made this illegal inquiry has my PII including SSN without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-16 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: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
A financial institution that identified as a debt collector, Santander Consumer USA, has bee attempting to collect money for an alleged debt. This company has called everyday non stop until I requested that they cease attempting to verbally contact me. They have only complied to stop verbally contacting me. However, this company continues to report derogatory remarks on my consumer file to the consumer reporting agencies. Pursuant to 15 USC 1666b, section ( a ) -Time to make payments, " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. '' This company has refused to cease reporting to the consumer reporting agencies even after I requested that they stop. They also threatened to seize my property even after I have notified them numerous times of their violations against my consumer rights. I have been in communication and in dispute with this company for 4 months now. They refuse to acknowledge any of the claims I presented even with the consumer laws to support. I have also notified the consumer reporting agencies as well, and their reinvestigation has not been impartial and fair with respect to the law. I will attach documents of their correspondences as well as mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-16 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: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
BMW Finance has reported to all 3 bureaus a 30 day late payment. According to the FRCA, creditors can report a later after 30 days. They have acknowledged that the payment was received on the XXXX day in XX/XX/2023, yet refuse to update their incorrect reporting. I have disputed this with all 3 bureaus as well, however the outcome has not changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX I. The amount of {$680.00} its showing XX/XX/XXXX was fraudulently open by my ex-wife, Ive tried numerous times to dispute accuracy with all three credit reporting bureaus and it remains on my credit reports for all three bureaus.after the investigation. 

XXXX XXXX in the amount of {$1100.00} showing XX/XX/XXXX had been on my credit bureaus in excess of 10 years or more, and they refuse to remove it after several attempts and disputes about the accuracy of the account to be removed they will not remove XXXX XXXX in the amount of {$1900.00} showing XX/XX/XXXX Was fraudulently open by my ex-wife another account I have had XXXX XXXX XXXX for the last 11 years Ive never had XXXX before nor have I ever had XXXX  I have always had XXXX XXXX XXXX I dispute it with all three bureaus, and yet they still remain on my credit bureaus

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 2023-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: IL

Complaint narrative:
18 USC 8 describes obligations of the U.S. Coupons are on the list as obligations. Senate Document No 43 73rd Congress pledges to pay FRN in exchange for government obligations. UCC 3-104 also describes coupons as legal tender. I submitted coupons as money orders payable to Discover who refused payment. According to UCC 3-603 failure to accept payment means discharge of debt. Even though they acknowledge the law regarding credit balances on their statement under credit balances where it states any positive balance is money owed to the customer, ( 15 USC 1666 D ) they closed my account because they claimed I owed them money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 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: PA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 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: NY

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following account : 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 non-monetary relief
Consumer complaint received 2023-07-16 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: KY

Complaint narrative:
After filing my dispute with TransUnion verifying this account was accurate and complete after the reinvestigation, I found several inconsistency reporting on this account : XXXX XXXX XXXX Acct. XXXX It is your duty to ensure that all information reported is consistent, fair, and most importantly accurate and complete and you have failed to do so. Please delete this erroneous item immediately. Below are a list and pictures of inaccurate and incomplete information. 

XX/XX/XXXX has XXXX  days late but XXXX show paid. Fix or remove it. TransUnion has XXXX XXXX XXXX days late, XXXX has paid. Fix it or delete it. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX show incomplete data fix it or delete it. TransUnion date last active XX/XX/XXXX. This account was re- age and needs to be deleted for violations because the other XXXX consumer reporting agencies report date last as, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. All XXXX  can't be accurate. 

TransUnion had an opportunity to correct the my consumer report after conducting their investigation but choose to keep these inaccurate and incomplete information on my consumer report, so please delete it from consumer report. If you can't fix all inaccurate and incomplete information you must delete this account.

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 2023-07-16 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: GA

Complaint narrative:
You are in Direct Violation of The Fair Credit Reporting Act, has violated several of my rights. 

15 U.S.C 1681 section 602A. Clearly states that 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 an account verified without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under any open-end consumer credit plan as late for any purposes.

Remove these late payments and update this account immediately as you are in direct violation of several laws under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CT

Complaint narrative:
I have no knowledge of this account, I have been in contact with the credit card customer service XXXX and provided them with a copy of the police report. This credit collection agency never tried contacting me they just added this to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hello, Good day i just want to start off with transunion credit reporting agency. 
as I follow my statistics on my report, when I have a balance on a account my score drops XXXX t0 XXXX points, and when paid it only goes up a few points Problem >?? 

The same goes on with a credit check on adverse action from a company XXXX XXXX XXXX XXXX  statingunsecured debt ratio too high value of collateral too high, unsecured debt too high a little discrimination I fell here. I have no adverse accounts. Thank You 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
Consumer complaint received 2023-07-16 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: TX

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
These people do not respect hours or days, holidays or weekends, same call 20 times a day.

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 2023-07-16 00:00:00
Product: Credit reporting, credit repair services, 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 sent dispute letters twice in XXXX and once in XXXX and the credit bureaus are refusing to fix the incorrect issues.

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 2023-07-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC
State: TX

Complaint narrative:
Medical Dept was settled and paid off in XX/XX/XXXX. Original date of service is XX/XX/XXXX. Receiving collection calls everyday and threatening messages being left on voicemail of being sued, wage garnishment, and higher accumulation of additional fees. Derogatory mark has damaged credit history. Many attempts have been made with WAKEFIELD & ASSOCIATES , INC. to have them remove derrogatory marks and stop fraudulent collection attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 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:
I was looking at my credit reports and notice that There were hard inquiries that don't have permissible purpose to be on there. These hard inquiries are hurting in me for getting approved. I have already reached out to the credit bureau about these inquiries multiple times and they keep violating my rights under 15 USC 1681b right.I have attached hard inquiries That don't have no purpose to be on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 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: TX

Complaint narrative:
I was looking at my credit reports and notice that There were hard inquiries that don't have permissible purpose to be on there. These hard inquiries are hurting in me for getting approved. I have already reached out to the credit bureau about these inquiries multiple times and they keep violating my rights under 15 USC 1681b right.I have attached hard inquiries That don't have no purpose to be on 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 explanation
Consumer complaint received 2023-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One took over all XXXX XXXX XXXX XXXX cards, due to postal issues ( which were communicated to me by XXXX at Capital One ) I was never informed of this change and never received a Statement nor change agreement. However, I received the new card in XXXX, which is how I knew of the change. In XXXX of XXXX, I used the card for XXXX. From that point, the same postal issue that Capital One already knows about and communicated to me prevented me from receiving any mailed statement. In conjunction with this Capital One sends an email communication to advise you that your payment is late. The problem here is if you already have a capital one profile they do not link the new XXXX  Accounts, so when you use the link nothing shows up but your old Cards with Capital One, so it's essentially a dead link. When I tried to communicate this to first XXXX, then XXXX, and finally XXXX, all they could do was refund me the {$29.00} fee but not the {$40.00} fee. Informing me that that there is nothing they can do, XXXX even advised me that they were aware that there were postal issues preventing me from receiving statements but as she stated " It wasn't Capital One 's Problem '' This quite frankly is a deceptive and unfair practice and I just wanted to report it so others who may not know of any proper recourse don't experience this unfair practice by Capital One. Not to mention I'm sure I can use my {$40.00} far more than Capital One.

Company response to consumer: Closed with monetary relief