vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-08 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: IL

Complaint narrative:
Transunion updated my balance for my XXXX XXXX acct to a previous balance of XXXX on XX/XX/2023 on XX/XX/2023 the same balance was applied and is incorrect I have previous dispute of this incorrect amount owed and transunion corrected it then returned it back to XXXX this balance also should be corrected to XXXX  and is usually reported after statement date which is the XXXX not the XXXX of every month

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 2023-06-08 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: IL

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } XXXX { Credit Bureau : ALL XXXX } { Credit Bureaus : ALL XXXX } { XX/XX/XXXX, XXXX : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on ( XX/XX/2022 } and I noticed an unauthorized credit inquiry had been made. I contacted { XXXX }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ XXXX ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within XXXX business days of completing the investigation. Thank you for your assistance in this matter, XXXX XXXX XXXX }

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 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: NJ

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX payment status shows charged-off but still shows balance of {$960.00} and a past due of {$960.00} which is not suppose to. 

TansUnion - did not record or has no record of this account XXXX - high credit/credit limit is reported {$0.00} last reported date is XX/XX/XXXX payment status Collection/Chargeoff - Date of Last Payment there's no record found XXXX - high credit is reported {$870.00} and credit limit is reported {$0.00} last reported was XX/XX/XXXX payment status Late 120 Days- Date of Last Payment XX/XX/XXXX Improper/Incorrect misinformation has been reported.

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 2023-06-08 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: NJ

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX payment status shows charged-off but still shows balance of {$960.00} and a past due of {$960.00} which is not suppose to. 

XXXX - did not record or has no record of this account XXXX  - high credit/credit limit is reported {$0.00} last reported date is XX/XX/XXXX payment status Collection/Chargeoff - Date of Last Payment there's no record found Equifax - high credit is reported {$870.00} and credit limit is reported {$0.00} last reported was XX/XX/XXXX payment status Late 120 Days- Date of Last Payment XX/XX/XXXX Improper/Incorrect misinformation has been reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 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: NJ

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX payment status shows charged-off but still shows balance of {$960.00} and a past due of {$960.00} which is not suppose to. 

XXXX - did not record or has no record of this account Experian - high credit/credit limit is reported {$0.00} last reported date is XX/XX/XXXX payment status Collection/Chargeoff - Date of Last Payment there's no record found XXXX - high credit is reported {$870.00} and credit limit is reported {$0.00} last reported was XX/XX/XXXX payment status Late 120 Days- Date of Last Payment XX/XX/XXXX Improper/Incorrect misinformation has been reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 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: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
Vehicle loan company, credit acceptance, shows a foreclosure ( voluntary repossession ) every month for roughly two years on my XXXX report ( as current as XX/XX/XXXX. ) The vehicle was supposedly sold at auction in XXXX. I paid the debt in full XX/XX/XXXX. 

Their reporting is inaccurate as the vehicle could not have been repossessed or re-attained by me as it was sold at auction in XXXX by credit acceptance. 

I have tried several times to dispute this with both the creditor and credit reporting agency.

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 2023-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
We moved in XXXX of 2018. I forgot that I used my JC Penney card around this time and never received a bill for it. The total charge was {$54.00} if I remember correctly. They sent the bill to my old address and it wasn't forwarded to my new address like everything else. I never got the bill, so I never paid it and had no memory of the purchase since it was so minor and we were concentrating on moving. I paid for a credit monitor service a couple of years after that and discovered this bill that was WAY overdue. I contacted JC Penney and questioned why they didn't call or contact me in any other way ( email and phone number hadn't changed ). They claimed they didn't have this information. I paid it over the phone and closed my account. So, now my credit score is much lower than it should be. I ALWAYS pay off my bills and my family 's bills on time and it makes me sick that a bill that was less than {$60.00} could lower my credit score so much.

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 2023-06-08 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: KEYCORP
State: NJ

Complaint narrative:
I was in an XXXX relationship and my ex-boyfriend opened bank accounts in my name and used those accounts to deposit stolen/fraudulent checks. I could not come forward with this information during the investigation because I was still in my XXXX relationship. It wasn't until I moved to a completely different state ( all to get away from my XXXX ) that I was able to come forward with this information. By this time, the bank already completed the investigation and still found me responsible even though I told them everything and gave them my ex-boyfriends name, dob, social and address. 

I haven't been able to open a bank account because of this. My life is almost completely back on track ( I had to start completely over because of this man ) except for this one hiccup. I don't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 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: WV

Complaint narrative:
Experian, you indicate in your response to report XXXX that " we are unable to honor your request or portion of it based on the limited amount of information. ( attached ) Let me clarify this for you. The " XXXX DDA '' fake XXXX XXXX Account application pull found on my credit report, as in the only " XXXX DDA '' pull which is dated XX/XX/21, please forward the individual 's name that submitted this fake application to you as well as all the information that you gave them. Also, you indicate in previous correspondence that you deleted the " XXXX DDA '' pull, please provide an explanation as I did not request this. 

ID attached as you requested.

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 2023-06-08 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: TN

Complaint narrative:
I've disputed letters to the credit bureaus XX/XX/23, along with an ftc report as i was a victim identity theft. The credit bureaus Equifax, XXXX, XXXX have ignored my complaints.And i have sent out another set of letters reguarding this inaccurate information. 

*Creditor : XXXXXXXX XXXX ( Original Creditor : 09 XXXX XXXX XXXX, Account : XXXX *Creditor : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ), Account : XXXX *Creditor : XXXX, Account : XXXX XXXX : DEPTEDXXXX, Account : XXXX *Creditor : DEPTEDXXXX, Account : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 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: TN

Complaint narrative:
I've disputed letters to the credit bureaus XX/XX/23, along with an ftc report as i was a victim identity theft. The credit bureaus XXXX, XXXX, Experian have ignored my complaints.And i have sent out another set of letters reguarding this inaccurate information. 

*Creditor : XXXXXXXX XXXX ( Original Creditor : 09 XXXX XXXX XXXX, Account : XXXX *Creditor : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ), Account : XXXX *Creditor : XXXX, Account : XXXX *Creditor : DEPTEDXXXX, Account : XXXX *Creditor : DEPTEDXXXX, Account : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 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:
Around XX/XX/2021 experian and XXXX received a bankruptcy account from XXXX. I disputed the accounts to see who furnished the accounts and it came out ot be XXXX. XXXX is in violation of 15 USC 1681b and had no permissible purpose to furnish any information to any unaffiliated 3rd party. After disputing these accounts with XXXX they ruled that the accounts were not verifiable, and we deleted. However, XXXX and experian are still reporting harmful information that has been proven to be unverified from the furnisher.

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 2023-06-08 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: LA

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

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 2023-06-08 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: MI

Complaint narrative:
I have tried contacting the credit bureau multiple times in regards to this matter for the accounts XXXX XXXX XXXX as well as XXXX XXXX. I did not received a legitimate verification as I requested. I would like this account verified in full and removed immediately. I would like to exercise my rights according to 15 U.S. Code 1681n - Civil liability for willful noncompliance. I would like these accounts removed immediately.

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 2023-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Good Morning : During COVID-19 I informed Capital One of not being able to make payment for couple of month since the whole country/world was on hold. 

XX/XX/21 and XX/XX/21 I had an hardship advised the creditor of same. Even though I have been their client for over XXXX month, they still saw the need to report my payment late. I was under impression that there was a CARES Act and since I am in NY there were other executive laws signed into law to postpone reporting or payments. 

I immediately paid such accounts and brought them up to date, and have not been late ever since. I am very hard working XXXX XXXX and at the time has been bombarded with work and not being able to function as a normal person. 

I pleaded with the company to use the law and their common curtesy to remove the XXXX late payments ever on my credit so I can achieve my American Dream by purchasing a home for myself and my kids. This late payments during COVID time has caused to raise the interest on the Mortgage I am able to receive. 

I would like them to immediately report my account in good standing. Furthermore they can issue a letter mentioning my accounts were never late, and I can have the credit companies update same.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

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 2023-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: DE

Complaint narrative:
Specialized Loan Servicing LLC ( SLS ) took control of our loan from XXXX Mortgage. During the transition SLS raised our outstanding principal without explanation. I have made numerous calls, spent hours on the phone with them and provided documents yet they provide no help in rectifying the issue. Their customer service representatives refuse to escalate calls to management. After weeks of calling and being told the issue would be solved to no avail, I pressed them further and insisted I would contact the governing body if I continued getting the run around. They responded by removing my name from the account and from successor in interest, refusing to speak with me although they had made no prior mention of any issues and acknowledge having received the information from my previous lender stating that I am. After researching SLS and reading other complaints about their predatory practices, as well as CFPBs prior settlements with SLS and parent companies, it has reaffirmed my own belief that SLSs goal is not to service loans but to specifically foreclose on peoples homes.

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 2023-06-08 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: MD

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXXe Account # XXXX, has violated my rights. 

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 a 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 2023-06-08 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: VA

Complaint narrative:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX  AND I WON'T ALOW 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 explanation
Consumer complaint received 2023-06-08 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: GA

Complaint narrative:
The consumer reporting agency Account Name & Account number was properly investigation. But how is that possible if the account is fraud and I am a victim of Identity Theft. This is grounds for removal. They have also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I have not given these accounts written permission to furnish these accounts on my credit report as well. The following accounts are : 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

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 2023-06-08 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: DE

Complaint narrative:
I have a few fraudulent accounts appearing on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-08 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: MOHELA
State: MS

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
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 a account without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 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 purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 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: LA

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

Company response to consumer: Closed with explanation