vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-15 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: TX

Complaint narrative:
I have made numerous attempts to reach out to XXXX XXXX on multiple occasions : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  For the past 12 months, I have been in the process of constructing my home, for which I obtained financing through a different lender. Unfortunately, XXXX Bank has erroneously reported two business credit cards, ending in XXXX and XXXX, on my personal credit profile. This has caused significant financial harm, as I am now unable to secure my mortgage, with the closing scheduled in just 45 days. 

Here is some background information regarding the situation : I maintain multiple accounts with XXXX, both personal and business. Throughout the past year, I have noticed excessive service fees being charged to my business checking account by XXXX. I solely use this account to make credit card payments for my XXXX business credit card. 

Initially, I set up autopay for my accounts to ensure timely credit card payments. However, due to XXXX 's persistent excessive service fees, the money I deposited into my account was being deducted to cover these fees. Despite reaching out to XXXX multiple times to rectify the issue, no one seemed to comprehend why I was consistently overcharged. This cycle persisted for months, with XXXX continuing to levy excessive fees. 

Eventually, I managed to secure an in-person appointment, during which a bank representative promptly recognized the excessive charges as the root cause of the reported " late '' payments on my personal credit report. The representative refunded the excessive bank charges and acknowledged the error. However, they were unable to rectify the credit reporting issue as it fell outside their department 's purview. 

Subsequently, I contacted XXXX XXXX XXXX multiple times, only to be informed that they do not consider this a banking error. Instead, they advised me to dispute the matter with the credit bureau. According to them, the investigation would reveal the excessive charges and the removal of my account from autopay, leading the credit bureau to remove the negative reporting. This conversation was recorded on XX/XX/2023 at XXXXXXXX XXXX  XXXX, and I encourage XXXX to review the call if necessary. Given that XXXX acknowledges this as their mistake, it is perplexing why they are unwilling to rectify the negative reporting directly, without requiring my involvement with the credit bureau. 

I am currently scheduled to close on the house that I have diligently saved for over the years. However, due to XXXX 's error, their subsequent acknowledgement, and their reluctance to correct the situation, my mortgage application has been declined, jeopardizing my dream of building this home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15 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: NC

Complaint narrative:
I've contacted XXXX numerous times by mail to let them know that there was an inaccurate debt collection account on my credit file. I sent letters out on XX/XX/23 and XX/XX/23. 

They refuse to acknowledge my complaint with any correspondence or communication. 

The inaccurate collections account are fromXXXX XXXX XXXX Account Number XXXX, and XXXX XXXX XXXX XXXX  Account Number XXXX. 

Please remove these accounts from my credit report they are not mine and inaccurately bring reported. Which is causing me harm while I'm currently trying to purchase a house.

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 2023-06-16 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I have my auto loan with Ally Financial, for about 3 years I have been paying my loans. All my life I never Paid anything late. During Covid I fell on hard times and I contacted Ally Financial and I requested a month of payment extension. The Rep. told me I qualified because I was sick with XXXX and was not able to make that payment. Ally fianc went and reported a late payment on my account because the rep. failed to inform me that in order to be qualified for the payment waiver I would need to pay half of the payment. This is malpractice of this company which they blamed me for it. They refused to take account for they rep. mistakes. This is just wrong and unethical. Despite my efforts to resolve this they simply refused to take fault for they staffs incompetence. I am trusting with Ally financial and now I am coming to you for help. This is causing me all kind of issues with approving for a mortgage. 
Agreement Number : XXXX Make : XXXX XXXX XXXX XXXX : XXXX Information : You can reach us by visiting XXXX or call us at XXXX ( XXXX ) Do not send cash or post-dated checks. All checks will be processed upon receipt. Make checks payable to ALLY. Return the portion below with your payment to the Payment Processing Center address below.

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 2023-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BMO BANK NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/23 this bank refused to close account with XXXX balance ending in XXXX because they conflated my data with previous closed account ending in XXXX, resulting in freezing account. This is an fraudulent attempt to blackmail me into funding a closed account to avoid future monthly fees.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15 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: NC

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account. 

3. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

4. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/2023 Please remove it 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 2023-06-15 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: GA

Complaint narrative:
Car loan company is XXXX XXXX XXXX XXXX in Georgia. 
My Credit score is hurting me tremendously. 
I can not apply nor get any Credit because of the latenes.. This car was {$21000.00} and I have paid for almost 3 years $ XXXX $ XXXX  monthly. I can not refinance my interest rate. 
I had contracted XXXX XXXX in XX/XX/XXXX. I was expecting a payment from my Government contract and it never came on time. I call the company asking if I can change my payment date from the XXXX to the XXXX, and I was told I can not change the payment date until I make a new payment. Meanwhile, I was once told I could request to change my payment date if I needed to, but it was never clearly stated by XXXX  that I must make a payment first. 
Also in XX/XX/XXXX I wanted to make a {$600.00} payment by credit card. No credit card payments is accepted. I asked to place the payment on the back end and I was told the company will place the payment on the back. I was told that I would have XXXX, XXXX and XXXX extension. It never worked out because of communication with all the Agents calling. We were not sharing the same information I was given. I was promised that the extension can not be emailed. I was told by XXXX both of us has to be on the phone at XXXX to fill out the paperwork. 
I encounter hardship with XXXX XXXX. Because I was infected twice. In XXXX I got a gentleman who emailed the Extension letter to me, after making a payment. I filled the paperwork out and I email the information back to the Gentleman. For some reason at home we have horrible internet problems and the signed Extension letter never reached the office. Extension was for XX/XX/XXXX and XX/XX/XXXX When I resent the letter it had Expired. 
I was not ok with all the wrong information I received from XXXX regarding with Extension reports as late. It is not worth asking for help because my Credit got beaten down.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax refuses to send a copy of my credit report with corrections. I have formally requested it, but it has not come. My request was delivered by certified mail on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: CA

Complaint narrative:
This is the only way I can communicate with XXXX XXXX XXXX XXXX because they dont know how to respond to me in any other way. They claim to be a company who helps their clients even if the loan that was taken out was fraudulent. Also, there was never a loan for {$3800.00} deposited into my account in the first place. They claim there was. The bank account that is now closed ending in XXXX never had a loan in that amount deposited. I never used the money for a loan in that amount. My spouse is My witness. I would like the CFPB or someone to investigate this matter if possible. I have already filed an IC3 complaint with the FBI explaining all this as well. Again, XXXX XXXX XXXX XXXX says a loan was deposited into my bank for {$3800.00}. That is false. There was no record of that. Also, that bank account is now closed because of identity theft/fraud. Dont trust XXXX XXXX XXXX XXXX because they wont help you. They will make false claims. I would not go through all this trouble if it was my loan. Think about it. Would you go through all this trouble if the loan was yours? No. Also, where is the evidence of me signing anything or authorizing anything for any loan for {$3800.00}. No one talked to me or sent me anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: CA

Complaint narrative:
I sent to the credit bureaus copies of my identity theft report and local police report along with proof of address, my ID, social card and letter listing each fraudulent charge on my credit report, I sent this off certified mail. The credit bureaus have yet to respond regarding this matter and remove these items. The items are as listed as follows 1XXXXXXXX XXXX XXXX  account number XXXX open XX/XX/XXXX in the amount of {$480.00} 2. XXXX XXXX XXXX XXXX account number XXXX open XX/XX/XXXX in the amount XXXX {$1800.00} XXXX. XXXX XXXX account # XXXX open XX/XX/XXXX amount {$170.00} XXXXXXXX XXXX XXXX account number XXXX opened XX/XX/XXXX in the amount {$1000.00} XXXX. XXXX XXXXXXXX account number XXXX open XXXX amount {$420.00} XXXX. XXXX XXXX XXXX XXXXXXXX account number XXXX open XX/XX/XXXX in the amount {$1400.00} XXXX. XXXX XXXX account number XXXX open XX/XX/XXXX ain the amount {$630.00} XXXX. 
XXXX XXXX XXXX XXXX bank XXXX account number XXXX open XX/XX/XXXX amount XXXXThese Items need to be removed I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: CA

Complaint narrative:
I sent to the credit bureaus copies of my identity theft report and local police report along with proof of address, my ID, social card and letter listing each fraudulent charge on my credit report, I sent this off certified mail. The credit bureaus have yet to respond regarding this matter and remove these items. The items are as listed as follows 1.XXXX XXXX XXXX account number XXXX open XX/XX/XXXX in the amount of {$480.00} 2. XXXX XXXX XXXX XXXX  account number XXXX open XX/XX/XXXX in the amount XXXX {$1800.00} 3. XXXX XXXX account # XXXX open XX/XX/XXXX amount {$170.00} 4. XXXX XXXX account number XXXX opened XX/XX/XXXX in the amount {$1000.00} 5. XXXX XXXX account number XXXX open XXXX amount {$420.00} 6. XXXX XXXX XXXX XXXXXXXX account number XXXX open XX/XX/XXXX in the amount {$1400.00} 7. XXXX XXXX account number XXXX open XX/XX/XXXX ain the amount {$630.00} 8. 
XXXX XXXX XXXX XXXXXXXX XXXX  XXXX account number XXXX open XX/XX/XXXX amount XXXX.These Items need to be removed I am a victim of identity theft.

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 2023-06-15 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: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 usc 1681i -procedure in case of disputed accuracy paragraph 2a prompt notice of dispute to furnish of information paragraph 5a treatment of inaccurate or unverifiable information 15 usc 1681s-2 responsibilities of furnishers of information to consumer reporting agencies paragraph 8e Duty of person after receiving notice of dispute 15 usc 1681b permissible purposes of consumer reports paragraph 2 in accordance with the written instructions of the consumer to whom it relates 15 usc 1681 Congressional findings and statement of purpose paragraph 4 there is a need that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect to consumers right to privacy.

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 2023-06-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 15 usc 1681i -procedure in case of disputed accuracy paragraph 2a prompt notice of dispute to furnish of information paragraph 5a treatment of inaccurate or unverifiable information 15 usc 1681s-2 responsibilities of furnishers of information to consumer reporting agencies paragraph 8e Duty of person after receiving notice of dispute 15 usc 1681b permissible purposes of consumer reports paragraph 2 in accordance with the written instructions of the consumer to whom it relates 15 usc 1681 Congressional findings and statement of purpose paragraph 4 there is a need that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect to consumers right to privacy.

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 2023-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'M A VICTIM OF IDENTITY THEFT. THIS IS MY SECOND REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I was scammed {$220.00} and {$50.00}. I paid for services through XXXX  but upon further inspection I realized that it was not real. I cancelled the payment or tried to and contacted XXXX immediately. When they couldn't resolve it within a few days of me contacting them, the payment was posted on my Chime account. I called the company saying I was scammed and I did not authorized the payment. Three rebuttals later, they still believe there isn't sufficient evidence to prove my case. I provided chat conversations, XXXX  conversations, etc etc. None of which was good enough for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX was paid in full for 2016 XXXX still shows on my report a balance of XXXX I HAVE DISPUTED THIS ON MY CREDIT REPORT and they still refuse to update accuracy on All 3 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: EGL US, LLC
State: TN

Complaint narrative:
MY IDENTITY WAS STOLEN!!! APPARENTLY BMG money isnt reading what Im adding on these complaints. I have submitted this 4 times. I have requested paperwork regarding the bank that they claim which theyre lying stating I added a bank to receive money!!!! Give me the information Im requesting. My phone number is XXXX. Email XXXX I need all information to give to my lawyer now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 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: NY

Complaint narrative:
AS OF XX/XX/ I have noticed XXXX XXXX  CREDIT CARD AMOUNT OWED XXXX $ Acct # XXXX fraudulent accounts on my credit report and consumers report The names and address and on my 3 Bureaus are incorrect On these grounds is reason to remove fraudulent accounts permanently now IT HAS BEEN MONTHS NO RESPONSE RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed 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 non-monetary relief