vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
INFORMATION ON MY BANK : XXXX  XXXX XXXX XXXX XXXX XXXX Florida XXXX Via XXXX : XXXX Re : XXXX XXXX XXXX XXXX XXXX Account XXXX for XXXX XXXX Credit Report Time Period Ending : XX/XX/2017 Reason for Correction : Missed payment was due to a XXXX XXXX XXXXXXXX Auto-pay glitch that I had no control over. This one missed 30-day payment history is destroying my credit rating. 

PEOPLE I HAVE CONTACTED : XXXX  XXXX XXXX chat representative via XXXX, called the XXXX number given to me for auto loans and they told me to write a letter to the address stated above. Filed numerous disputes with credit agencies, and filed a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX who directed me to CFPB. 

BANKS LACK OF RESPONSE : The bank has not responded to me. All of the complaints I have filed with the credit agencies never change my account and there isnt a reason. I got to pick from a multiple-choice list and that serves as my statement on the credit report. The closest description I found was delinquency due to disputed billing procedures. 

I want this mark removed from my credit report. I have a big event coming soon that I will need to apply for credit for and this one little 30-day missed payment, a payment that was missed due to the bank 's autopsy glitch, is destroying my credit rating. If they won't remove it, I want an explanation as to why. I'm not asking for a good-faith removal, something that XXXX XXXX  XXXX does NOT do, I'm asking because it shouldn't be there to begin with, this is XXXX XXXX  XXXX XXXX mistake, not mine. It's hard to believe what one small missed payment can do to one 's credit rating. I want it fixed. I have been trying for years to get this fixed and now it needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: TX

Complaint narrative:
INFORMATION ON MY BANK : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Florida XXXX Via XXXX  : XXXX Re : XXXX XXXX XXXX XXXX XXXX Account XXXX for XXXX XXXX Credit Report Time Period Ending : XX/XX/2017 Reason for Correction : Missed payment was due to a XXXX XXXX  XXXX Auto-pay glitch that I had no control over. This one missed XXXX payment history is destroying my credit rating. 

PEOPLE I HAVE CONTACTED XXXX XXXX XXXXXXXX XXXX chat representative via XXXX, called the XXXX number given to me for auto loans and they told me to write a letter to the address stated above. Filed numerous disputes with credit agencies, and filed a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX who directed me to CFPB. 

BANKS LACK OF RESPONSE : The bank has not responded to me. All of the complaints I have filed with the credit agencies never change my account and there isnt a reason. I got to pick from a multiple-choice list and that serves as my statement on the credit report. The closest description I found was delinquency due to disputed billing procedures. 

I want this mark removed from my credit report. I have a big event coming soon that I will need to apply for credit for and this one little 30-day missed payment, a payment that was missed due to the bank 's autopsy glitch, is destroying my credit rating. If they won't remove it, I want an explanation as to why. I'm not asking for a good-faith removal, something that XXXX XXXX  XXXX does NOT do, I'm asking because it shouldn't be there to begin with, this is XXXX XXXX  XXXX XXXX mistake, not mine. It's hard to believe what one small missed payment can do to one 's credit rating. I want it fixed. I have been trying for years to get this fixed and now it needs to be removed.

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 2023-02-10 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: NJ

Complaint narrative:
Below the following inquiries were pulled without my knowledge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX BANK, XXXX, XXXX XXXX BANK XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10 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:
I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, experian, and XXXX did not modify or removed anything. 

The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit reports. 

Which is a violation. This is impacting me from moving forward to buying a house for my family, not being able to pass a background check for employment, funding my business and this has created great hardship for me and me family as mentioned. 

I attach my previous credit report and my new credit report to show how XXXX, XXXX has violated my rights. 

XXXX has refused

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 2023-02-10 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: IL

Complaint narrative:
I was received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : 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 XXXX XXXX : XXXX... 

I have attached a copy of my ID for identity verification and a bill for address verification.

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 2023-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
Dear American Credit Acceptance, I, XXXX XXXX, applicant, received your letter dated XX/XX/2023. Please explain your reasons for denying my application. In addition, the car dealership XXXX XXXX XXXX XXXX stated verbally, including in CFPB Complaint ID XXXX response dated on XX/XX/2023, that " the bank '' ( American CrediXXXX Acceptance ) are " requiring '' a cash down payment. Is it true you are requiring a cash down payment? I am demanding that American Credit Acceptance provide verification of XXXX XXXX, XXXX, statements that American Credit Acceptance are requiring a " Cash Down Payment '' to proceed with the transaction I issued with XXXX XXXX XXXX XXXX, dated on XX/XX/2023. Please see attachments. Thank you! XXXX XXXX ALL RIGHTS RESERVED UCC 1-308.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc.
State: AZ

Complaint narrative:
I got a call I owed XXXX $ dollars to insurance for a hospital visit that I never knew, or had any involvement with. I havent been to the hospital since I was very young. Records show.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: NY

Complaint narrative:
I was received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX : XXXX... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX... 

I have attached a copy of my ID for identity verification and a bill for address verification.

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 2023-02-10 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: Affirm Holdings, Inc
State: CA

Complaint narrative:
XX/XX/XXXX I received a credit alert from XXXX for a delinquent account called AFFIRM INC that does not belong to me XX/XX/XXXX I reported an Identity theft claim XX/XX/XXXX I placed a security alert with XXXX, XXXX and XXXX XX/XX/XXXX Pulled my credit report XX/XX/XXXX Disputed with XXXX reporting this account XX/XX/XXXX Received a response from XXXX that this account was verified XXXX Followed up on identity theft.gov for the next steps XX/XX/XXXX Spoke to an agent over the phone with AFFIRM INC . 

XX/XX/XXXX Mailed off a written letter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
I have a mortgage with Mr Cooper that was transferred to them in XXXX, completed on the XXXX. once the transfer was complete, i paid for the month and set up autopay that was scheduled to start the following month. There auto charged me immediately the next day on the XXXX. i was able to get that charge reversed. Shortly after, i re-setup autopay. 

I didn't receive a statement for XXXX and the next bill i received was for XXXX. Autopay drew from my account what was on that statement. however, my account was still showing unpaid for XXXX. I called and they said what i paid was applied to XXXX and they couldn't find a statement for XXXX. I didn't receive any notice that i was missing a payment or that my account was behind. And speaking with the repXXXX they canceled the autopay without notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: AL

Complaint narrative:
this debt collecter engaged in abusive deceptive and unfair practices of the FDCPA which it prohibits.they furnished this account that we didnt agree upon and i didnt sign agreement on XXXX contract is signed by two parties and i did not particioate in any of ti.More so they didnt follow the proper 5 step validationprocedure which makes this unfair practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Dear CITIZENS AUTO FINANCE ; XXXX ; XXXX ; and XXXX ; These are unfair entries on my credit report. I have been trying to get to the bottom of this account. I got into a car accident in XXXX on my XXXX, and the car was totaled my insurance told me not to worry about it and don't make a payment. I have proof that I still made the payments and your company refunded me over $ XXXX but yet told me that I was late during the month of XXXX and XX/XX/2023. How is that even possible? I believe this negative entry on my credit report is inaccurate because I have a record that my insurance company sent you {$42000.00} and i made a payment of {$3700.00} and other automatic payments of {$1200.00}... This monthly payment always comes out of my account religiously every month non-stop. How can you say that I missed a payment in XXXX and XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: IL

Complaint narrative:
You sent me your request an hour ago. By state statute we have 5 business days to return a response. There are multiple requests ahead of you. 





XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXr XXXX XXXX FAX XXXX I never applied for a XXXX card and I would want for you to discuss them to this XXXX XXXX XXXX I filled a police report that I never applied for this account can you please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10 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: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
On XX/XX/2022, I reported a fraud claim on my daughters Campus Checking for unauthorized debit card transactions, fraudulent checks were deposited into her account ( the checks arent made payable in my daughters name ), unauthorized member transfer to another bank. As of today I am still dealing with this issue with Navy. They denied the original claim. I filed 2 different appeals and those were denied as well. Ive called and spoken to customer service with no help. Spoke to a manager and he informed me that because the checks were deposited into my daughters account and now they have been returned for NSF that she is responsible for the fraudulent checks because the bank has to recoup there money. He also stated your daughter should have kept up with her account thats her responsibility to make sure her account is not hacked. I told them the checks shouldnt have been allowed to be deposited because they are not payable to her. He states are we suppose to check who the check is made out to, we dont check that on mobile deposits. I asked to speak to his manager, he stated he is the last person I could speak to. I asked for the name of his manager and a email address or phone number to contact them, he was combative and refused. I asked him are you refusing to give me the information Im requesting? He told me to hold on and transferred me to a automated survey. My daughter did not receive any of those funds that were made in her account. One of the checks returned thats not in her name and bc Im the co-owner they took XXXX out of my account, putting me in a financial bind. I called concerning that issue and was told bc the check was returned and even though we have filed fraud claims I was responsible for paying the money. Now a second check has returned and Im getting the same response. This bank is holding there consumers responsible for their account being hacked, fraud and unauthorized transactions. Im still trying to get this matter resolved. I filed a complaint with XXXX and XXXX responded back stating that my daughter and I are still responsible for paying the fraudulent checks that someone deposited into her account because it was hacked. I have filed complaints with XXXX and XXXX. XXXX instructed me that they forwarded my complaint to your office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: FL

Complaint narrative:
in accordance with the fair credit Reporting act XXXX XXXX  XXXX XXXX XXXX XXXX has violated my right. 

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

15 U.S.C 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish a 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 explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
bank of America Prepaid credit card. this account is 7 years old and was paid in full. please remove from credit profile. the information is incorrect original balance of card was {$200.00} and paid upfront. please provide original contract to verify information. if you do not have the original contract please remove from credit history has this account has already been settled. or i will sue for damages that this causing me financially.

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 2023-02-10 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: TX

Complaint narrative:
I sent a letter to XXXX, Transunion, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
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 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 orAny 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 of 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 non-monetary relief