vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: MO

Complaint narrative:
We bought our vehicle from a car lot in XXXX Oklahoma we are Missouri residents we tagged and the registration is in Missouri. Our vehicle was repossessed XX/XX/2023. We paid a total of {$1700.00} and was set up on a payment plan to get the vehicle back a {$300.00} repossession fee was added to the account. On XX/XX/XXXX after numerous phone calls my wife calls back and they had cancelled our payment arrangement and they had taken off the {$300.00} repossession fee and the same day added that same fee back on the account. During that call my wife asked for a copy of the right to cure letter and they were supposed to mail a copy of that letter. On XX/XX/XXXX my wife calls again to credit acceptance about the right to cure letter the gentleman informed her that since we bought the vehicle in Oklahoma and that the loan contract was made in Oklahoma that they didnt have to send one for the repossession. We are wanting to know being Missouri residents dont we fall under Missouri law and that the right to cure letter should have been mailed or do we fall under Oklahoma law.

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 2023-04-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CarMax, Inc.
State: MD

Complaint narrative:
On XX/XX/. I walked into Carmax with a preapproval letter from XXXX XXXX. I had already chosen my vehicle online and gave them a pre-qualified credit authorization form. I made it very clear upon purchasing that I only wanted to use XXXX XXXX. I was offered several times other financing options, and I made clear I did not want my credit to be run against any other report other than XXXX XXXX. Upon checking my credit report, I found Carmax ran my credit through their system without my authorization. I went to the location and spoke to them about it, and the manager XXXX had informed me that it mustve been a mistake because of a click of a button. I found this to be unacceptable and unlawful. The credit authorization form through Carmax only has an electronic signature that I did not authorize, which is also illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: PA

Complaint narrative:
I checked my credit report and a new delinquency showed up from XXXX in the last few months. NO DATA existed before regarding payments for this account. The account was opened in XXXX when I was XXXX XXXX XXXX. I contacted XXXX and they referred me to their collection agency but would give me no information aside from claiming it was legitimate and " out of their hands ''. I contacted the collection agency and they said since it was a small debt I should just pay it and wait for it to fall off my report which I refuse to do because it is not my account and I was XXXX XXXX XXXX when it was opened so I couldn't legally do it anyway. I disputed with Experian ( it does not show up on any other credit bureaus monitoring ) and they claimed it was 100 % legitimate. I uploaded my license, birth certificate and passport and asked them to provide a contract showing I signed for this account which they said is not required by XXXX to submit negative information. I want this fraudulent account ( that appeared out of nowhere ) off my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03 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: TX

Complaint narrative:
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: LA

Complaint narrative:
Please see attachments detailing right to privacy violations and inaccurate reporting 15 U.S.C 1681 section A. States I have a 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. Code 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Several inaccuracies in reporting as per FRCA guidelines

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 2023-04-03 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: Affirm Holdings, Inc
State: MD

Complaint narrative:
Affirm  along with XXXX, XXXX and XXXX XXXX is reporting delinquent for the amount of {$41.00}. This information is incorrect. I never received a collection letter from affirm. I requested an investigation, and it shows all information is correct, even though it is not, I would like any reporting agencies to provide all information in regards of this alleged debt. Because the information is incorrect this information should be removed for my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/2023, I reached called American Serve Pre-Paid Customer Service via the number : XXXX. I called 6 times, and every time, I was disconnected. I needed to speak with a representative because my card is expiring very soon and I have not received a replacement card. There are only 3 options available on the automated system, none of which lists speaking to a representative. Additionally, existing customer options are limited for me since it prompts me to activate a card I have yet to receive. Can not make it past that prompt because automated disconnects if I can't provide the requested information. I can't provide a number for a card I haven't received, and I can not inform anyone that I did not receive it yet, because I can't get past that prompt without it hanging up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
XX/XX/XXXX - XXXX XXXX account/credit card through Synchrony Financial ( a second credit card with Synchrony Financial XXXX the first one obtained in XXXX XXXX ) XXXX - XXXX XXXXXXXX charge of {$3000.00} Made monthly payments by bank draft on XXXX  ( list below ) but payment on XX/XX/XXXX for {$2300.00} ( listed on my account as " posted '' ) was placed on a 10-day hold by Synchrony with no notice to me. All prior payments on both Synchrony cards have always been posted same-day. 

XX/XX/XXXX - {$100.00} XX/XX/XXXX - {$100.00} XX/XX/XXXX - {$100.00} XX/XX/XXXX - {$2300.00} XX/XX/XXXX - A payment transaction by surgeon for my XX/XX/XXXX XXXX was declined due to {$12000.00} not being available - only {$9000.00} was available due to the unapplied {$2300.00} payment that I was told would be released from hold on XX/XX/XXXX. My XXXX date was due to be cancelled if payment was not made by XX/XX/XXXX. To avoid this, I requested a credit limit increase of an additional {$3000.00} that was approved but the Chat Rep mistakenly entered {$300.00} as the amount of the increase and quickly terminated the chat! 

I had to start a new Chat thread to have a second Rep correct the error. 

The only way to work to resolve this was through the Synchrony website 's Chat Bot. After requesting a " live Rep '' with the Bot, the Chat Rep stated the reason for the hold was due to the [ high ] payment amount. I advised that the payment was from cash/ACH from my bank account that was done on XX/XX/XXXX, and there is no reason to hold a cash payment, let alone for a two-week period, and without any notice to 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 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
While attempting to obtain a car loan in XX/XX/XXXX, I was notified by the car dealership that they could not obtain any credit information for me. They said my credit appeared to be locked. Credit was obtained through XXXX on XX/XX/XXXX but at a high interest rate since they could not verify my credit. I wrote a letter to Equifax in XX/XX/XXXX with all pertinent information ( full name, date of birth, social security number, address and driver 's license ). Equifax wrote back saying they were unable to locate a file for me either because I had not applied for credit, have not activity used credit in the past 10 years, or have not lived the U.S. or been issued a social security number. I've called them several times explaining I have a loan with XXXX since XX/XX/XXXX and they said it's not being reported. I contacted XXXX and they insist it is being reported. I ran a free credit report from XXXX and the XXXX account is showing up. However, in XXXX I tried to apply for a credit card and was denied. I think it's because Equifax doesn't have a file for me so not only am I having to pay an exceptionally high interest rate on my car loan but I am also being denied credit. Please help me fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Credence Resource Management is reporting a debt of {$69.00} and gives no explanation. It was placed on my credit report today. I don't know who this is and have no knowledge of this debt. I would like lie proof of this debt with a hard copy of my signature. According to 15 USC 1681 A Sec 2. A debt can not be sold to another consumer without consent. I would like this derogatory remark removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03 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: MD

Complaint narrative:
XXXX  along with Experian, XXXX and XXXX XXXX is reporting delinquent for the amount of {$41.00}. This information is incorrect. I never received a collection letter from XXXX. I requested an investigation, and it shows all information is correct, even though it is not, I would like any reporting agencies to provide all information in regards of this alleged debt. Because the information is incorrect this information should be removed for my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FC HoldCo LLC
State: VA

Complaint narrative:
We have continuously been writing XXXX XXXX XXXX, pertaining to this matter.the last letter we sent was on XX/XX/23 to delete the inaccurate information that is reporting on our credit report pertaining to flagship credit acceptance.

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 2023-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: AL

Complaint narrative:
On XX/XX/XXXX, Chime systems were down. In the process of their systems being down, I attempted to transfer funds from that account to another account. The transaction declined on one end, but showed pending on Chimes end. I called And spoke with a representative that day who said that it will be back in my account that day. The next day it was still pending. I reached back out and spoke with another representative who told me it could take up to 3 days and to call back. On Friday, the funds were still pending. I spoke with a supervisor named XXXX who assured me it would be back in on the seventh day. On XX/XX/XXXX, I spoke with chime again who advised me to call back. On XXXX, I spoke with a supervisor named XXXX who told me I could file a dispute that will take up to 90 days and theres no temporary credit to be applied. It has been seven days and the transaction is still pending and Chime will not release my funds despite seeing that the transaction was cancelled by the other bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: GA

Complaint narrative:
Account # : XXXX Account Name : XXXX XXXX XXXX  Alleged Balance : {$770.00} Original Creditor : XXXX XXXX XXXX XXXX I have contacted both Equifax XXXX as well as XXXX XXXX XXXX  regarding this account. The payment dates, balance amount, and opening date are all incorrect. Neither company has furnished proper proof that a thorough investigation was completed. 
XX/XX/XXXX XX/XX/XXXXXXXX XXXX Account # : XXXX Account Name : XXXX XXXXXXXX Alleged Balance : {$91.00} Original Creditor : Progressive I have contacted both Equifax XXXX as well as XXXX XXXXXXXX regarding this account. The payment dates, balance amount, and opening date are all incorrect. Neither company has furnished proper proof that a thorough investigation was completed. 
XX/XX/XXXXXXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Alleged Balance : {$5100.00} Original Creditor : XXXX XXXX XXXX I have contacted both Equifax XXXX as well as XXXX XXXX XXXX regarding this account. The high balance is inconsistent with the other credit bureaus. The close date is incorrect. Last payment is also incorrect and inconsistent with the other credit bureaus. 
XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
some one opened credit card on my name it was fradugelent account.credit card company is not removing from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My name is 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 2023-04-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The inaccurate statements on my credit report from Experian has hurt my credit score and at least one credit card company has declined credit citing those inaccurate statements. 


I spent more than an hour yesterday on phone with the representatives of the company trying to file a complaint or dispute to fix the error. I was passed on from one person to another and hung up in the middle, and the same pattern repeated when I called for another hour. The representatives constantly lied about having created a case number that could be seen by others, and others said they could not see the case number. The representatives said my report indeed has inaccurate information and some supervisor will give me a call back, but no such call was received. 


Experian 's credit report has multiple inaccurate and false statements. Here are some concrete derogatory remarks, quoted verbatim : " Few accounts paid on time. You have an insufficient number of accounts that are currently paid as agreed. Number of your accounts currently being paid as agreed : 1 account '' Similarly, on my Experian 's online account, it says that there are 67 % accounts that are " always paid as agreed '', which is also false. 

In reality, I am paying all my accounts 100 % on time, which is evident from the rest of the credit report. The only account I have not paid on time was closed more than a year ago. No other credit reporting agency has this closed account as a derogatory remark on their reports, and they also correctly state that all my accounts are paid as agreed. 


Somewhere on Experian 's system, it has recorded falsehoods about my accounts, payments, and delinquency status. These falsehoods are reflected on my credit reports and these false judgements are hurting my credit score, as well as ability to acquire credit. 


Experian is not serious about the harms its irresponsible and negligent actions are causing me. It took no action after being alerted about this multiple times. 


I am attaching a document with this complaint that contains the following screenshots : ( a ) Experian 's credit report containing the inaccurate statements, ( b ) Experian 's web account containing the inaccurate statements, and ( c ) XXXX 's and XXXX 's credit reports with accurate statements.

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 2023-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was approved for a credit thru Citibank and it never came.

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 2023-04-03 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: GA

Complaint narrative:
My name is 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 2023-04-03 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: GA

Complaint narrative:
My name is 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