vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-29 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: MD

Complaint narrative:
Re XXXX XXXX Account XXXX Dates : XXXX XXXX, XXXX XXXX, XXXX XXXX Dear Sir/a'am : Last year, I submitted a certified letter to XXXX, XXXX and Experian to notify them of gross inaccuracies on my credit report. I filed a dispute against XXXX because XXXX reported 60, 90, and 120 day late payments in XXXX, when the payment was not as late. For example, the payment was received in XX/XX/XXXX, but the following month ( 30 days later ) they said my payment was 60 days late. This is erroneous and mathmatically incorrect. The investigation was speedy, instead of thorough. I also filed additional disputed online for the same issue, due to failure to be resolved. Unfortunately, I never received a copy of my results of the investigations on how they came to the conclusion to keep errors on my credit report. Their errors have impacted my ability to purchase a home for my family. Please, help!!!!! I have attached the file for your review. Please review carefully to see the error. Thank you

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 2022-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
This is a formal complaint against Nissan Motors Acceptance located in XXXX TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. 

They are reporting an account on my credit report that was opened in XXXX and charged off in XXXX, which is well past the allowed time for reporting to the credit bureaus. They have illegally re-aged this account and recently sold it to a collection agency that filed a lawsuit against me, which I hired a lawyer for and won the lawsuit, given the violation and expired statue of limitations. I have disputed directly with the credit bureaus on this account and Nissan continues to respond as account being verified, but fails to provide me with proof. 

Despite my efforts to resolve this unfortunate nightmare for several months now, Nissan Motor Acceptance, has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: FL

Complaint narrative:
I never opened a XXXX card or account in XXXX or XXXX. I need this removed from my credit history. I was out of the country for over 8 years and going back. I had a credit score of XXXX before I left and now its a lousy XXXX! This is insane! I have multiple fraudulent accounts on my credit reports that were not opened by me.

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 2022-04-29 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 never opened a XXXX card or account in XXXX or XXXX. I need this removed from my credit history. I was out of the country for over 8 years and going back. I had a credit score of XXXX before I left and now its a lousy XXXX! This is insane! I have multiple fraudulent accounts on my credit reports that were not opened by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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:
I never opened a XXXX card or account in XXXX or XXXX. I need this removed from my credit history. I was out of the country for over 8 years and going back. I had a credit score of XXXX before I left and now its a lousy XXXX! This is insane! I have multiple fraudulent accounts on my credit reports that were not opened by me.

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 2022-04-29 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: CA

Complaint narrative:
In accordance to the fair credit reporting act XXXX  Account number XXXX XXXX  XXXX Bankruptcy has violated my rights. 

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

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

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 2022-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I see that these accounts are adversely affecting my credit report and costing me thousands of dollars in investment every year. I sent a letter to contact these inaccuracies on XXXX This is not a regular dispute at all. I have filed a complaint with ftc and the XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed now. I will not wait another 50 plus days to receive no response. I see that most of these companies are ignoring me. Section 611 simply states failure to investigate these items within 30 days gives reason to immediately remove disputed items from my credit report. It has been over 50 days so please remove it.

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 2022-04-29 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I see that these accounts are adversely affecting my credit report and costing me thousands of dollars in investment every year. I sent a letter to contact these inaccuracies on XXXX This is not a regular dispute at all. I have filed a complaint with ftc and the XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed now. I will not wait another 50 plus days to receive no response. I see that most of these companies are ignoring me. Section 611 simply states failure to investigate these items within 30 days gives reason to immediately remove disputed items from my credit report. It has been over 50 days so please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: ZIONS BANCORPORATION
State: CO

Complaint narrative:
Vectra Bank failed to notify me of a fee assessed to our account on XX/XX/XXXX. 
The statements provided to us ( on XX/XX/XXXX after I disputed a late payment on my credit report ) were dated XX/XX/XXXX and XX/XX/XXXX but they have no mailing address and no electronic delivery means. I never received these statements. A letter from Vectra dated XX/XX/XXXX was sent to an address we havent lived at since XXXX of XXXX so again I did not receive it ( until XX/XX/XXXX ). I have impeccable credit history and pay my bills, but when a company fails to notify me of a charge how can I be expected to pay it? 

After receiving a voicemail from Vectras collection department my husband ( who is joint on the account ) made numerous attempts to get in touch with our loan officer and collections, but he continually got voicemail recordings. My husband finally was able to get in touch with someone at Vectra on XX/XX/XXXX to give them a bank account number to charge the annual fee. However somewhere along the communication a Vectra employee left out a XXXX in our account number and unfortunately the charge was rejected. 

Vectra did not notify us of the rejected payment ( based on their mistake ) and reported us as 30 days late on our credit reports. We have made every effort to contact them but do not receive return phone calls from their collections department. No consideration is given for their own employees mistakes and the lack of notice given to us regarding this fee.

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 2022-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COLLECTION PROFESSIONALS INC (Illinois)
State: IL

Complaint narrative:
I was informed that there were debts in collections that were actually accrued by my now ex husband. He wasnt paying them and it was/is ruining my credit so I did the right thing and set up payments. Now that I am almost done paying in the debts, I called the company to request a print out of the debt ( who owed the debt, the total amount paid, and the date of service ) I was informed that they could not go back and do that in their system. The representative said our system doesnt show what you have paid only what you still owe and we cant reprint. This is why we stress to our clients to keep the monthly statement we send. I was NEVER told one time I needed to keep that statement or I definitely would have. I even asked for their advice on how I could go about getting that information and she had no answers and said unfortunately I dont think youll be able to obtain that, and if you call the original creditor theyll just send you to us. I feel very helpless especially when I tried to do the right thing and pay the debts ( that really arent even mine ). The debts were from collection professionals in XXXX Illinois. There were a total of three bills. The totals that I was told were for {$940.00}, {$54.00}, XXXX XXXX.she only provided me with vague details stating one was from radiology and one was from XXXX ( our local hospital ) Please help. All I want it a print out of what I paid, who the debt was for etc and I feel I have the right as a consumer? 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NM

Complaint narrative:
The statement for the period ending XX/XX/2022 shows purchases of {$120.00} and a payment of {$440.00}. That payment was made on XX/XX/XXXX. There is no credit shown for the payment of XX/XX/2022. 

Not disputed : There was in fact a payment transferred from our checking account and into this XXXX XXXX card in the amount of {$440.00} on XX/XX/2022. That makes it a payment from our checking, to one of our credit cards.

Not disputed : The previous months balance was completely paid off. The consumer does not dispute this, and USAA does not dispute this. Therefore this statement is a standalone item in terms of addition and subtration.

Disputed : The mathematics of this statement. A payment of {$440.00} and new purchases of only {$120.00} should be showing that statement with a credit. Instead, it claims that money is due from the cardholder.

USAA has consistently refused to reconcile this credit card account. I have made 4 previous attempts to get this corrected. 

The 1st attempt was completely ignored ; there has never been any response.

The 2nd attempt resulted in a letter from USAA. It said said that the payment ( referenced above ) was correctly made. But made no reference to any credit owing. There is not and was not a dispute about whether that payment came out of our checking account, and went into the credit card account. But the letter was completely unresponsive to the question that was asked.

The 3rd attempt resulted in a letter with boilerplate text, but no USAA member number, no credit card account number, no dollar figures. In short, meaningless and completely unresponsive. It contained no information at all.

The 4th attempt resulted in a phone call. When the conversation got to the point where the girl on the phone stated that the credit card statement referenced above was correct. She did not use actual numbers. No adding or subtracting, not even reading the total purchases or payments. I gave up. Now I am filing this complaint, because going direct to USAA has failed 4 times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: SC

Complaint narrative:
Have contacted them about wrong information on my credit report. The items are showing all different with the credit limit, past due amounts and days late before charge offs.

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 2022-04-29 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
My XXXX 's XXXX bank credit card was used without my authorization by XXXX 's stores. I called and XXXX 's corrected the incorrect charge and refunded the {$55.00}. I called XXXX credit card and they said they would correct the late fees and confirmed the account would show a {$0.00} balance within 3-4 days. This did not happen, so I called on XX/XX/XXXX and spoke with both XXXX & XXXX and they confirmed that the fees would be eliminated as promised. This did not happen. I then called again and spoke with XXXX who again said it would be corrected and the amount owed would be {$0.00} and corrected in 3-4 days to reflect back to {$0.00}. On the third month of incorrect late fees on a false charge by XXXX 's, they then corrected the issue of the balance and closed the account as of XXXX, and this was reflected correctly as a {$0.00} balance, closed account. However, they STILL failed to correct my balance and past due amounts ... I NEVER owed anything in XXXX. I was NEVER late. This is provable by whom I spoke with & & & the fact that I personally did not pay ANY money to this account, they did themselves because they were wrong!!! This is still not fixed on my credit report because of XXXX Banks ineptitude and lack of follow through on their end.

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 2022-04-29 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: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
My XXXX 's Comenity bank credit card was used without my authorization by XXXX 's stores. I called and XXXX 's corrected the incorrect charge and refunded the {$55.00}. I called Comenity credit card and they said they would correct the late fees and confirmed the account would show a {$0.00} balance within 3-4 days. This did not happen, so I called on XX/XX/XXXX and spoke with both XXXX & XXXX and they confirmed that the fees would be eliminated as promised. This did not happen. I then called again and spoke with XXXX who again said it would be corrected and the amount owed would be {$0.00} and corrected in 3-4 days to reflect back to {$0.00}. On the third month of incorrect late fees on a false charge by XXXX 's, they then corrected the issue of the balance and closed the account as of XXXX, and this was reflected correctly as a {$0.00} balance, closed account. However, they STILL failed to correct my balance and past due amounts ... I NEVER owed anything in XXXX. I was NEVER late. This is provable by whom I spoke with & & & the fact that I personally did not pay ANY money to this account, they did themselves because they were wrong!!! This is still not fixed on my credit report because of Comenity Banks ineptitude and lack of follow through on their end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: FORD MOTOR CREDIT CO.
State: NJ

Complaint narrative:
XXXX I had XXXX  and lost my job I told The company and explained to them what happened the day they repossessed the vehicle I paid the balance in full and they still wouldnt work with me to get it taken off my credit report it also happened in the middle of Covid as well

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-29 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: SC

Complaint narrative:
The company is XXXX  XXXX. The information is all different on each of the three credit bureaus. The payment status and past due amounts are all different.

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