vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-27 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: TX

Complaint narrative:
They decreased my score for no reason, I had no changes to my debt, on time payments, no debt, recently I received a letter that someone hacked my personal information on Experian and they disconnected my linked XXXX XXXX XXXX XXXXhat was linked for Boosting and was unable to re-connect so I am guessing now they will decrease my score, my score was XXXX a month ago they decreased it 8 points for no reason and now they increased it to XXXX, now boost got disabled by Experian system not by me, they have no phone support unable to speak to live person, dispute center is a complete headache, I been paying attention to every move their system is making and lately they seem very fishy and makes no sense.

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 2021-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
PLEASE READ THE REASON FOR MY COMPLAINT* 1. Date Open is inaccurate - Company is reporting different dates on different credit bureaus. 

2. Company is RE-AGING THE ACCOUNT!!!!!! 
- Attached is a copy of XXXX on my credit reports this year on each report there is a different date. The last report they RE-Aged the account 2YEARS!!!!!! 

FCRA Violation!!!!! 


3. Company has not verified the account!! 
- No documentation has been provided with accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: ARVEST BANK GROUP, INC.
State: LA

Complaint narrative:
Arvest Bank unfortunately bought my mortgage from XXXX XXXX Bank. 
I escrowed my homeowners but paid my flood in full. I bought my house in XXXX, mortgage was sold to this horrible company the next month. My agent sent them proof of my flood in XXXX. They have to know being a Mortgage or so called Mortgage company that you can not purchase a home in a flood zone without proof of purchasing flood. They forced place flood on me in XXXX, took the payments that I have been sending them and put them in a unapplied account because they raised my mortgage note without me knowing. I was paying my mortgage every month, but since XXXX it was not being applied. They hurt my credit score because now it shows I was 90 days overdue, charged me late fees which they are not reversing. They have the proof after me calling and spending countless time on the phone trying to get it straight BUT still will not fix my credit or reverse late fees knowing I had the Insurance the whole time .... That is what I posted on the XXXX  sight. 

I spoke to several people for months about this. Last person I spoke to was XXXX at XXXX XXXX ext XXXX. Basically giving me a email to dispute the credit, would not reverse fees because they just got the proof in XXXX. I spent so much time on the phone for the last months trying to get this straight. My agent sent the proof in XXXX. This is sooooo horrible to treat customers this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: IL

Complaint narrative:
I received notification through XXXX XXXX that a collection agency reported debt. In XXXX of 2020, my identity was stolen and they opened an XXXX XXXX XXXX  account. I disputed with XXXX  and their response was that they requested more information from the collection agency. I cent a certified letter to the collection agency, SEQUIUM ASSET SOLUTIONS , LLC, stating that I was a victim of identity theft. To this date, nothing has been resolved and the collection debt is still in my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
This Company never show me any WRITTEN STATEMENT with my signature allowing them to furnish ANYTHING ON MY CONSUMER REPORT IN VIOLATION OF MY CONSUMER RIGHT 15 USC chapter 41, This company seems to say they have " transfered/sold '' the debt XXXX has reported and cancelled the debt to receive some type of tax break with the IRS.If my rights are still being violated the CFBP will be a witness in court that i did inform this fraudulent " CREDITOR '' did in fact receive this NOTICE OF FAULT and OPPORTUNITY TO CURE. I HAVE ALSO SENT THIS CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: PA

Complaint narrative:
The inquiries below do not belong to me. They are FRAUD. Delete ASAP. They should not be on my report. 

-- -- -TRANSUNION XXXX -- XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : 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
Consumer complaint received 2021-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
PLEASE READ THE REASON FOR MY COMPLAINT* 1. Date Open is inaccurate - Company is reporting different dates on different credit bureaus. 

2. Company is RE-AGING THE ACCOUNT!!!!!! 
- Attached is a copy of XXXX on my credit reports this year on each report there is a different date. The last report they RE-Aged the account 2YEARS!!!!!! 

FCRA Violation!!!!! 


3. Company has not verified the account!! 
- No documentation has been provided with accurate 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 2021-05-27 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: MoneyLion Inc.
State: TX

Complaint narrative:
On XX/XX/19, XXXX  ( a subsidiary of MoneyLion ) transferred {$200.00} from my account to them without permission to another account ending in XXXX. I do not have a Money Lion account nor do I know anyone who does. Before the fraudulent transaction I had never heard of the company. I have reached out to the company multiple times with no resolution to the problem. I keep getting told someone will get back to me and they never do. I have asked to escalate the situation which also does not help. The company does not respond nor offer any sort of assistance in closing the fraud account or getting my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I paid off my installment loan in full to XXXX XXXX  on XX/XX/2021 on XX/XX/2021 my credit score decrease 68 point due to late payment of over 120 days. I contacted XXXX XXXX  they said It is false information In their records everything was paid on time. I then contacted Trans union the credit agency that lowered my score and they said they received the info from XXXX XXXX. I contacted XXXX XXXX  and the rep said there was not anything they could do on their end only trans union can fix the issue. I called Trans union once again and was told they will look into it and put in a dispute which can take up to 90 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 2021-05-27 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: CA

Complaint narrative:
I have attempted several times ( including today ) to file a dispute with Equifax about a XXXX account in collections that doesn't belong to me. I have disputed it with XXXX  and XXXX, who have both taken it off their reports. However, Equifax will not allow me to dispute without signing into my account, but it won't allow me to sign in to the account. Instead, I get the message " Please give us a call We can't complete your request at this time. 
Please call the Customer Care team XXXX Customer Care is available between XXXX XXXX XXXX XXXX XXXX ( ET ), Monday to Friday. '' I've tried calling and have never been able to connect with someone due to long hold times and it's during work hours, so I am unable to keep staying on hold all day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: NY

Complaint narrative:
i checked my reports and noticed some inquiries from companies that i did not give consent to acces my credit reports. I am very concerned about all activity going on with my credit reports these days. XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX XXXX on 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 explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
TO WHOM IT MAY CONCERN FRAUDULENT XXXX TRANSACTIONS HAVE BEEN MADE ON MY BANK OF AMERICA ACCOUNT THESE TRANSACTIONS ARE FRAUDULENT ME NOR THE OTHER ACCOUNT OWNER MADE THESE TRANSACTIONS PLEASE REVERSE THEM AND REFUND MY MY MONEY I I HAVE BILLS TO PAY AND I AM OUT OVER {$4000.00} due to someone hacking my account that you did not initiate the XXXX transaction and that under Reg E I am disputing these transactions Claim number - XXXX BANK OF AMERICA DID NOT REFUND MY MONEY EVEN THOUGH I DID NOT AUTHORIZE THESE TRANSFERS

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 2021-05-27 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: APPLE FINANCIAL HOLDINGS, INC.
State: NY

Complaint narrative:
I paid off my installment loan in full to Apple Bank on XX/XX/2021 on XX/XX/2021 my credit score decrease 68 point due to late payment of over 120 days. I contacted Apple bank they said It is false information In their records everything was paid on time. I then contacted XXXX XXXX the credit agency that lowered my score and they said they received the info from Apple bank. I contacted Apple bank and the rep said there was not anything they could do on their end only trans union can fix the issue. I called XXXX XXXX once again and was told they will look into it and put in a dispute which can take up to 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I was going through process of student loan forgiveness during Obama years. I was signed up, but Navient representative told me " they '' were offering a better program and that my loan would be forgiven due to low income. They advised me not to sign up for the Obama program, but to stay with Navient, as the Obama program was not a good choice for me. I panicked and canceled my application. Then, realized that I had been given false and misleading information. I was upset, embarrassed, and now I can not believe I listened to Navient! I have been XXXX  for 20 years. I XXXX and work for XXXX. I do not make enough money to pay my loans. I am on income based payments. I feel like I am in a financial trap and wish I had signed up with the student loan program during Obama.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: MI

Complaint narrative:
I am hereby demanding the immediate removal of 2 closed XXXX XXXX accounts from my credit report. These two accounts are currently showing conflicting data regarding payments made to the accounts, and are in CLEAR violation of my FCRA rights. XXXX shows no payments after XX/XX/XXXX. XXXX shows positive payment history as an open account up until XX/XX/XXXX. This is a violation of my rights and I will be forced to take SWIFT LEGAL ACTION against both bureaus for reporting conflicting information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
On XXXX the XXXX I went to the website to check too see what I had to pay for my hiltons honors American Express come to find out they closed my account no reason given I made a call in American Express and I told him that I was going to put in a complaint the next day on the XXXX I received a letter stating that I had spoke roughly to one of their people in customer service it is said in the letter dated XX/XX/XXXX that I use abusive language towards their members that is a lie, I had no reason to have abusive language towards their company I had no problem with their company, the only problem I had was a they a charge that I didn't know where it came from and that was did done over the computer. ( XX/XX/21 XXXX XXXX XXXX NY ) Which leads me to believe they are talking to another company that had a credit card that I just closed that is XXXX XXXX. I have had heated discussions with XXXX XXXX not American Express, ( I closed that card and asked for everything in writing ) if they did this I'm accusing them of collusion ( They are teaming up to shrink the available credit that effects the credit score, try to push me to pay day loans ). I was making the payments for the American Express on time in had no problems with their company I have a letter saying I use abusive language ( they need to tell me what abusive language I use in what it was about because I had no problem with them until XX/XX/XXXX. I had a problem with XXXX XXXX not them, I have the letter sent, I'm going to see about some legal action after this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express cancelled my account without any communication in XX/XX/2020 because I was not able to use the card during the Covid 19. I have XXXX reward points which worth more than {$800.00} was deleted from the account at the same time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-27 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: U.S. BANCORP
State: DE

Complaint narrative:
Unauthorized hard inquiry made by US Bank on my credit today ( XX/XX/21 ). I did not in any way solicit, inquire or communicate with anyone related to this and only learned about it when I received an alert about a hard hit on my credit. I am on 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 2021-05-27 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:
I am writing to delete the following information in my file. The Items I need deleted are listed in the report. I am a victim of Identity theft and did not make the change. I ask that the items be deleted to correct my credit report. I reported the theft of y identity to the federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please Delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have contacted the XXXX on behalf of this creditor that is in accurately reporting on all three credit bureaus, Equifax, XXXX XXXX, XXXX. I contacted this company around XXXX in reference to documentation, including contracts pricing, what was done with the vehicle how much it was sold for how much money was left out of it the sale, so no clarification. So then I discover that they have been reporting in accurately for going over 12 months on all three bureaus. This matter could be resolved with removal of account from all three bureaus, ill hold no harm against this company if they will remove the negatively reporting mistakes to correct the in accuracy. I would attach a copy of my credit report but I dont feel that its confidential.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have contacted the XXXX on behalf of this creditor that is in accurately reporting on all three credit bureaus, XXXX, XXXX XXXX, Experian. I contacted this company around XXXX in reference to documentation, including contracts pricing, what was done with the vehicle how much it was sold for how much money was left out of it the sale, so no clarification. So then I discover that they have been reporting in accurately for going over 12 months on all three bureaus. This matter could be resolved with removal of account from all three bureaus, ill hold no harm against this company if they will remove the negatively reporting mistakes to correct the in accuracy. I would attach a copy of my credit report but I dont feel that its confidential.

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 2021-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: CA

Complaint narrative:
Cash App has a boost offer where if you receive {$300.00} in direct deposits from your employer you are supposed to receive {$30.00} off any purchase you receive over {$30.00}. I signed up for direct deposit using the information provided to me by cash app and on XX/XX/XXXX my employer issued my direct deposit payment to Cash App for my salary. Cash App held the deposit for a few days and ultimately returned it to my employer. I feel I should be entitled to the {$30.00} offered through the promotion since I used the information that was provided to me by Cash App. I have submitted documentation to show the setup of the account in our payroll system, I have sent copies of my paystub showing the deposit, I have sent the notice I received from the payroll specialist at work but they refuse to honor the promotion they have offered.

Company response to consumer: Closed with explanation