vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-13 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:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have been trying to dispute an collection account with XXXX XXXX XXXX. I do not have a contract with this company so they should not be reporting to the credit bureau. I have tried to logon to my Equifax account and have been unsuccessful in doing so. It is telling me that my logon information is not correct and I have been using the same email account for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: LA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch
State: AZ

Complaint narrative:
There is a late payment on my account that is messing with my credit score. I tried to call the company no response I dispute it the transaction and they still giving me the runaround.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: LA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-01-13 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: LA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: OR

Complaint narrative:
A debt collector called Cavalry SPV I , LLC contacted me about an account in collections from XXXX XXXX XXXX I contacted XXXX, and they wrote me back saying that this account that didnt exist, and told me not to respond to the debt collector. However, now the credit reporting agencies say I have an account in collections, despite having no other problems with my credit report. Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-13 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: FL

Complaint narrative:
XX/XX/2022 I was sold XXXX XXXX XXXX XXXX XXXX XXXX  was no good had major problems it broke down I called them told them I couldn't afford to fix it they picked it up 3 days later I filed a complaint with XXXX  to try and have my down parent refunded I was told no but they would use the car as collateral to cover the debt and it would state that on my credit report to my surprise they lied it has completely ruined credit report the said it was a repossession and I own a balance of XXXX something dears to them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: CO

Complaint narrative:
I recently pulled my credit and notice an account that was showing up as a charge off. I knew this was inaccurate, so I sent XXXX XXXX a letter to investigate this back in XXXX of 2022. With their investigation they updated the account and removed the balance they were reporting, as well as they sent me a refund check on that loan ( which was the same amount that they showed I owed. ) So obviously it was inaccurate. 

Then I sent a letter in XX/XX/2022 to EQUIFAX to investigate the account because EQUIFAX is still reporting it as a charge-off in the payment status. 
There has been no update, no investigation and this error is harming my ability to finance a home. 

The account was never charged-off. I have included The letter I sent to them, a copy of the check they sent me for the refund, and the copy of letter I sent to Equifax. 

A PROPER INVESTIGATION, NOT JUST VERIFYING THAT THE NAME AND ADDRESS MATCH, THE ACCOUNT IS REPORTING CLOSED, SO DO NOT RESPOND WITH WE VERIFIED THIS ACCOUNT AND THE ACCOUNTS REPORTING CORRECTLY .... BECAUSE IT IS NOT REPORTING CORRECTLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: GA

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
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 2023-01-13 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: GA

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

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 2023-01-13 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded 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 2023-01-13 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded 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 explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: MI

Complaint narrative:
XXXX ) Date notices sent and due date too close, always notified of late payment. 

XXXX ) Also, interest rate WELL above reasonable ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-01-13 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAINE & WEINER COMPANY, INC.
State: MD

Complaint narrative:
I have been trying to dispute an collection account with Caine & Weiner. I do not have a contract with this company so they should not be reporting to the credit bureau. I have tried to logon to my XXXX account and have been unsuccessful in doing so. It is telling me that my logon information is not correct and I have been using the same email account for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent out a letter on XXXX XXXX XXXX. My tracking number is XXXX to remove my personal information that i dont want on my credit report. According the Fair Credit Reporting Act 12 USC 1681, i have a right to privacy. Also, according to 15 USC 6802, no financial institution is suppose to share my information to a third party. These are clear violations of my federally protected consumer rights.

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 2023-01-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: VA

Complaint narrative:
This is the 2nd complaint I am filing against Mohela because the first complaint did not address my concerns whatsoever. 

Mohela literally said " you have zero payments towards PSLF. '' However, that is not true. They say they are waiting on Federal Student Aid to provide them payment counts ; however, anytime I chat FSA on XXXX the Dept. of Education refers me to Mohela and says only they can provide it. 

There is a back-and-forth between the US dept. of ed and Mohela that is absolutely flawed and detrimentally impacting me. I should have reached loan forgiveness already, and now I am having to wait an untold number of weeks or months to have that loan forgiveness completed, and thus my credit score is impacted. 

I will continue to submit complaints until my payment counts are updated in a timely manner. Timely manner is a matter of days, not months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-13 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: Consumer Portfolio Services, Inc.
State: PA

Complaint narrative:
Late payment remarks by consumer portfolio services and XXXX XXXX without consent. They need to be removed for privacy reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: CO

Complaint narrative:
I recently pulled my credit and notice an account that was showing up as a charge off. I knew this was inaccurate, so I sent XXXX XXXX a letter to investigate this back in XXXX of XXXX. With their investigation they updated the account and removed the balance they were reporting, as well as they sent me a refund check on that loan ( which was the same amount that they showed I owed. ) So obviously it was inaccurate. Then I sent a letter in XX/XX/2022 to TRANSUNION to investigate the account because TRANSUNION is still reporting it as a charge-off in the payment status. There has been no update, no investigation and this error is harming my ability to finance a home. The account was never charged-off. I have included The letter I sent to them, a copy of the check they sent me for the refund, and the copy of letter I sent to TRANSUNION. 
A PROPER INVESTIGATION, NOT JUST VERIFYING THAT THE NAME AND ADDRESS MATCH, THE ACCOUNT IS REPORTING CLOSED, SO DO NOT RESPOND WITH WE VERIFIED THIS ACCOUNT AND THE ACCOUNTS REPORTING CORRECTLY .... BECAUSE IT IS NOT REPORTING CORRECTLY.

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 2023-01-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a Best Buy card through Citi bank. A few months ago, I paid the full balance off and requested to close the account. I thought the account was closed, but suddenly I have a $ XXXX balance from their annual fees and late fees. They sent my account to collections and it is negatively effecting my credit score. 

Ive tried calling them multiple times at ( XXXX ) XXXX, but when I request to talk to a representative, their system hangs up. I am unable to access my account online. 

I need them to close the account as I requested back when the account was at a XXXX balance and take off their false reporting to the credit bureaus. None of these fees would have even be the had they closed the account when I requested them to.

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 2023-01-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In accordance with the fair credit reporting Act this creditor Capital one has violated my rights under 15 USC 1681 15 USC 1681 Section 602 states I have the right to privacy. 

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
Late payment remarks by XXXX XXXX XXXX  and milestone Mastercard without consent. They need to be removed for privacy reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: TX

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
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 2023-01-13 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: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Someone stole my information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I was checking my credit card seen I was being charged a penalty interest rate. I have had this American Express card for 5 years and never late almost always pay more than payment due. In XXXX I added a new bank received Email as soon as I received email, I fixed it. Payment still on time. They raised my interest for accidently putting in account number wrong. Totally I unjustified action!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: IN

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

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 explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: IN

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
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