vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-24 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: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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:
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 2022-06-24 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: AL

Complaint narrative:
I tried to fix the problem but to no avail. I sent letters and no response from XXXX The fraudulent inquiries are still on my credit report. I have sent letters to Experian but I have not seen any changes from the inquiries. It seems as if my letters are to no avail. They will not remove the fraud inquiries from my credit report. I told them as they well know I am a victim of identity theft. Experian knows that all of my information is on the dark web, they were one of the credit reporting companies that notified me of my identity on the dark web. I also have a statement on my credit report that any company is to call me before they check my credit but Experian allowed them to check my credit without my permission. This is identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: American Credit Acceptance, LLC
State: PA

Complaint narrative:
I lost my job and am struggling to make my payments. I just need help to get current with my auto loan so I can refinance it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: WA

Complaint narrative:
On XX/XX/XXXX, I contacted TransUnion about the following negative accounts XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$150.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX Balance : {$98.00} ), XXXXXXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, XXXX XXXX ( Origination Date : XX/XX/XXXX, Current Balance {$260.00} ) Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-24 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: WA

Complaint narrative:
On XX/XX/XXXX, I contacted Experian about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$150.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX Balance : {$98.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$94.00} ), XXXX XXXX ( Origination Date : XX/XX/XXXX, Current Balance {$260.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-24 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: LA

Complaint narrative:
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 non-monetary relief
Consumer complaint received 2022-06-24 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: LA

Complaint narrative:
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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: WA

Complaint narrative:
On XX/XX/XXXX, I contacted Equifax about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$150.00} ), XXXX XXXX  ( Date Opened : XX/XX/XXXX Balance : {$98.00} ), XXXXXXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$94.00} ), XXXX XXXX ( Origination Date : XX/XX/XXXX, Current Balance {$260.00} ) Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: GA

Complaint narrative:
Americollect has reported a medical debt to all 3 credit beareus as a " other '' loan for a sum of {$140.00} without contacting me in any way. This bill has already been paid to the XXXX  for an XXXX  visit back in XXXX XXXX XXXX  but they are showing that the account is still open. When I contacted them by the number on my transunion report they told me the ONLY way they would close the account is by granting them electronic access to my bank account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX Date XX/XX/2022 Dear Equifax, I, XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). Consumer reporting agency EQUIFAX has violated my federally protected consumer rights under the civil liability for willful noncompliance under 15 USC 1681n ( a ) ( 1 ) ( A ) ( B ). 
By Withholding account data with intent to negatively affect my consumer credit score, by falsely reporting on two of my accounts in the Comments field Charge Amount in H/C column is credit limit which report {$0.00}. And withholding account data in the Credit Limit field on eight of my accounts which report {$0.00}. With intent to negatively affect my consumer credit score and utilization.

Which I upload to provided factual information directly from my consumer credit report.

15 U.S. Code 1681n Civil liability for willful noncompliance ( a ) In general, any person who willfully fails to comply with any requirement imposed under this sub chapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 non-monetary relief
Consumer complaint received 2022-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 non-monetary relief
Consumer complaint received 2022-06-24 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: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: MI

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 2. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. Validate Account XXXX XXXX Account Number : XXXX Please remove it from 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 non-monetary relief
Consumer complaint received 2022-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: V and H Portfolio
State: MO

Complaint narrative:
The reason for this letter is to show that this company isn't practicing justified and lawful Business.This company never called me and I had reached out to them once I had clear my credit. Some how this. company that I never heard of I asked them by mail to please Identify your company due to the fact, I never had any loan taken out by them. I supplied them by sending certified with a Letter by mail to this company. Requesting the Original Contract that I sign. After 30 days I never Obtained the information. This company never had my address and all the info that they tried to use or access from using the 3 bureaus.Still to this time they do not have the correct information. Now here is MY issue. I go to pull my credit report that has hindered me and my daughter from moving is based on this impacting my credit score as if I took out this lone on XXXX date open then has a date of XXXX. I looked them up called and talk to a Rep and I asked him what information that you have to prove that its me after sending a XXXX letter and I get a letter back saying that they sent out information that I never seen. He says IP address I so felt that this was a scam and I told him I didn't want to receive any calls from them. 3rd letter comes out with a letter requesting for them to please remove that off my credit as they are negative affecting my report. The lady was very rude and yes yes we are putting this on my credit if I didn't pay!! so there you have it. and I don't remember any loan with the amount of XXXX ever taken out so like I told them remind me. I have a traumatic event that happen on. XX/XX/XXXX so I don't remember much so please look into this matter. I have sent them every letter that I was told to do by credit bureau. With the threats of them putting that on my credit. on all 3 report agency. is wrong... This company on the doc : last one they type my name. type a Ip. Wrong also they sent information to another address then what is filed I don't want to give them any information as they sent mail to XXXX XXXX XXXX XXXX XXXXXXXX mo, then they sent information to another address, then another address they are chasing my credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I havent used my bank account at all since I opened it. While I was at work, I was getting notifications from my bank so I logged in and it was XXXX  of dollars in my bank account which ik wasnt mine because Ive never used it yet. I looked at the transactions and someone was withdrawing the money from an ATM in New Jersey. I couldnt find my cards for weeks, I thought I must have misplaced them somewhere in my other bags at home but obviously that was no longer the case. I reported my cards stolen. I cant get back into the account to give more details about the transactions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: CA

Complaint narrative:
I notified cash app of a transaction I wasnt aware of for XXXX it happened when I had lost my phone I didnt realize it right away but when I did I notified them and they kept dragging me along with not responding and never actually attending to the claim I was trying to file I would send them every single detail they wanted but ti no avail did they respond with a solution I basically had to repeatedly file my complaint and it never got resolved I advised them I dont make transactions in that amount I also advised them of the party receiving it they had a foreign name and i had never done any transactions with them my history can prove that the date of the transaction was on XX/XX/2022 for {$3000.00} I asked them if I should notify police they assured me not to worry they would take care of the issue they never did so I gave up I was unaware your agency existed to help consumers in my situation not lose their hard earned money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 2. Validate Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. Validate Account XXXX XXXX Account Number : XXXX Please remove it from 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 non-monetary relief
Consumer complaint received 2022-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 2. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I opened a checking account on or around XX/XX/2022. I received a debit card shortly after from navy federal credit union. I deposited {$200.00} in my checking account using my debit card. I then extended credit to navy federal credit union and was denied credit for no reason as their reasoning did not make any sense as my credit score was a non negative factor, my ability to payback was a non negative factor nor was my history. I believe this is a result of XXXX discrimination. I was then denied access to my account and blocked from withdrawing my funds and access to my funds pursuant a Identity verification. Which this verification was unwarranted and a unnecessary encumbrance. For 3 weeks daily, I have called navy federal credit union and each time for over two hours no live man nor woman answered. I have these calls recorded and are willing to testify. I simply want my funds released back to me, I would also request that a line of credit requested is made available to me immediately. I would also ask that my account be restored. I have incurred damages and financial injury in this matter and have now given notice of this error and opportunity to cure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: FL

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 2. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

3.. Validate Account XXXX XXXX  XXXX Account Number : XXXX Please remove it from 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 non-monetary relief