vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-04 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: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
Yes I had a Joint Auto Loan through CREDIT ACCEPTANCE CORP that was opened in XX/XX/XXXX. The car was stolen in XX/XX/XXXX and the account became delinquent. When I reached out to Credit Acceptance in regards to the account they stated that the account was closed but it still actively shows as Open on me and my wife credit reports, It reports every month as Late. The account original balance was {$10000.00}. I have settled the account with Credit Acceptance as agreed with the creditor for {$2000.00}. But the Creditor is still reporting the account as open and late which is really hurting me and my wife credit. I have also Reached out to all three Bureaus ( XXXX, XXXX, and XXXX ) to have them investigate the account to correct the errors but they keep stating that it was verified as accurate which is not accurate. I ask that this issue be rectified as this is the only account on my report that is hindering me from moving forward.

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 2021-05-04 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: MO

Complaint narrative:
I filed a dispute with credit bureaus requesting that inaccurate information be removed from my credit report. It has been beyond 30 days and they have not returned any results or corrected the issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: MO

Complaint narrative:
I filed a dispute with credit bureaus requesting that inaccurate information be removed from my credit report. It has been beyond 30 days and they have not returned any results or corrected the issues.

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 2021-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have filed disputes with XXXX, Transunion and XXXX regarding my report and inquiries that I did not approve. 

There is an inquiry from XXXX on XX/XX/XXXX with XXXX that I did not initiate or approve. I do not even do business with XXXX often enough to even justify a credit application. I can not contact their credit department either. 

There are 2 inquiries on my XXXX report from XXXX XXXX and from XXXX on XX/XX/XXXX that I also did not authorize. Then 2 inquiries on Transunion on XX/XX/XXXX from XXXX and XXXX XXXX XXXX that I also did not authorize. Then on XXXX there was one from XXXX XXXX XXXX that I did not authorize. I communicated this with them and they have done nothing about these issues. I was informed of ONE credit inquiry and it turned out to be SIX inquiries which has caused so many issues. 

I have a current account with XXXX XXXX Bank and was told they could increase my credit amount but was not informed of the inquiry that took place on XX/XX/XXXX with TransUnion. I am a long standing customer and should have been informed of the correct process. Please remove. 

There is an inquiry from XXXX on XX/XX/XXXX that I did not authorize. I have no reason to have ever applied with XXXX as I live in an area where their service is not offered. Please remove. 

There is also a fraudulent account reporting to my XXXX  from XXXX ... I have never done business with that company nor did I approve them to have access to my information so that is 100 % fraudulent. Please remove.

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 2021-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have filed disputes with XXXX, XXXX and Experian regarding my report and inquiries that I did not approve. 

There is an inquiry from XXXX/XXXX  on XX/XX/XXXX with XXXX  that I did not initiate or approve. I do not even do business with XXXX often enough to even justify a credit application. I can not contact their credit department either. 

There are 2 inquiries on my XXXX  report from XXXX XXXX and from XXXX on XX/XX/XXXX that I also did not authorize. Then 2 inquiries on XXXX on XX/XX/XXXX from XXXX  and XXXX XXXX XXXX that I also did not authorize. Then on Experian there was one from XXXX/XXXX  XXXX XXXX that I did not authorize. I communicated this with them and they have done nothing about these issues. I was informed of ONE credit inquiry and it turned out to be SIX inquiries which has caused so many issues. 

I have a current account with XXXX XXXX XXXX  and was told they could increase my credit amount but was not informed of the inquiry that took place on XX/XX/XXXX with XXXX. I am a long standing customer and should have been informed of the correct process. Please remove. 

There is an inquiry from XXXX on XX/XX/XXXX that I did not authorize. I have no reason to have ever applied with XXXX as I live in an area where their service is not offered. Please remove. 

There is also a fraudulent account reporting to my XXXX from XXXX ... I have never done business with that company nor did I approve them to have access to my information so that is 100 % fraudulent. Please remove.

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 2021-05-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC.
State: IL

Complaint narrative:
Plaza Home Mortgage ( PHH ) still has not successfully paid property taxes on property from escrow account from a year ago!. Previous payment was not for correct amount and returned to Plaza as of XX/XX/2021 ( for the second time ). 

This is a follow up to complaint XXXX ( which was not completed satisfactorily nor successfully

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
These accounts are not mine and are invalid

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Hello, XXXX  refuse my requesed the indetity theft block sent to them because someone has my SSN and date of birth and I found out that she monotoring my credit score by XXXX she took my background check, home address and a lot of my personal informations from XXXX, XXXX, XXXX and others. Im very afraid about myself because maybe she will trying to put me in trouble. I reported this case and at XXXX XXXX XXXX XXXX Police Records. My case number is XXXX. Please investigate my case and contact me if you need more proof. Cell ; 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 2021-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have had this credit card since XXXX, all payments made on time. I was informed by B of A my credit card account was cancelled on XX/XX/XXXX, supposedly.the letter was mailed to me, I have not received the letter. I have a credit score 0f XXXX. I do not know why the account was closed, I think it is discrimination. B of A previously cancelled another account in XXXX due to fraudulent activities, I was not responsible for the fraudulent activities to that account. I feel am being discriminated against due to activities I had not part of.

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 2021-05-04 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have received a copy of my credit report and it shows account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$170.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have reviewed a copy of my credit report and I show company XXXX XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

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 2021-05-04 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have reviewed a copy of my credit report and I show company XXXX XXXX XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have reviewed a copy of my credit report and I show company XXXX XXXX XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

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 2021-05-04 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I have already notified Bank of America that this credit card was opened without my knowing. My now estranged wife had used my social security number behind my back to open multiple credit cards in my name. She is a XXXX XXXX / XXXX XXXX and I have had to file for divorce because of this. She has a history of stealing identities and committing theft. I am not responsible for the debt that she has incurred in my name. I am a victim of identity theft. A police report was submitted to the XXXX XXXX, WA Police Department on XX/XX/2020. I have found out that there are 7 other police reports with her as the suspect of fraud / theft. XXXX has recognized that I have been defrauded and that I am a victim of identity theft and I attached a letter from them.

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 2021-05-04 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 — Investigation took more than 30 days
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have reviewed a copy of my credit report and I show company REGIONAL ACCEPTANCE CO account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

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 2021-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
XX/XX/2020 my spouse opened an M & T account. The M & T banking representative, Ms. XXXX XXXX XXXX, located on XXXX XXXX in XXXX XXXX, MD, had him to call me at home and ask me for my social security number to add me as a beneficiary to his account. I asked her for the documentation listing me as beneficiary, but she said the documents were not needed, that she was just going to put my social security number in the system ; but that a statement would be mailed out. The bank statement which was mailed listed me as XXXX. I never authorized the bank representative to do anything other than what we had spoken about over the phone when I gave her my social security number, and was not aware at the time that she wrongly collected my social security number and connected me to my spouses account as an owner. 

That same month, XX/XX/2020, strangely my direct deposit of {$500.00} that was part of my by-weekly pay that should have been deposited with XXXX XXXX XXXX was deposited into my spouse 's M & T Bank account ; an account I don't own. What the M & T representative did was collected my social security number wrongly and told me she was setting me up as beneficiary, when in fact she used my social security number and named me as an owner of a bank account at M & T bank using my spouses account without my permission, authorization, nor signature on file with the bank, nor was I physically present ; and she hid what she did by mailing a statement showing I was XXXX on his account. Yet, this created a fraud alert. 

Money can not be deposited into a bank account you don't own. Therefore, the bank representative set me up for fraudulent activity on an account I do not own at a banking institution by adding my social security number in the system, and making me an owner, yet with no signature cards with the bank that would amount to fraud. And with no documents with the bank showing that the direct deposit was proper, which it was not, it would be counted as fraud. However, M & Ts own bank representative committed the fraud by wrongly using my social security number. 

I believe this has resulted in a fraud flag because my bank, XXXX XXXX XXXX has blocked me from using my ATM Card. I am unable to make purchases, deposits, nor withdrawals from the ATM. Also, XXXX XXXX representatives are not consistent in their explanation as to the reason why my ATM card is blocked. XXXX XXXX XXXX  representatives are also violating banking laws by not providing proper information to a bank consumer regarding their bank account. Therefore, because of the way Im being treated, I suspect they have been alerted to some sort of fraud I have not committed.

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 2021-05-04 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Hello, I reviewed A copy of my credit report and it shows XXXX XXXX  as a charge off or collection with a balance of {$4800.00}. This is a violation of the Fdcpa.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Please forward the information to TARGET XXXX. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
CFPB XXXX  On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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:
I sent this complaint to the bureau onXX/XX/2021 by certified mail. They have not addressed the issues and it still remains. The items do not belong to me and i am wanting it to be removed. Here are the items : XXXX  # XXXX, XXXX XXXX XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: MI

Complaint narrative:
I checked my credit report and saw accounts that I did not authorize. Equifax stated to fill this form out and I did and I have not heard anything back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: WI

Complaint narrative:
PNC bank issued me 2pin number for same debit card discriminated against me then closed my XXXX bank account with them 2diffrent pin numbers for the debit card and wouldn't correct the problem declined transactions everwhere

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: MI

Complaint narrative:
This account appears on my credit report but it was opened fraudulently. transunion refusues to help me so I called the FTC and was told about this letter. I sent it to Transunion and they have not responded.

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 2021-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sent this complaint to the bureau onXX/XX/2021 by certified mail. They have not addressed the issues and it still remains. The items do not belong to me and i am wanting it to be removed. Here are the items : 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 explanation
Consumer complaint received 2021-05-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent this complaint to the bureau onXX/XX/2021 by certified mail. They have not addressed the issues and it still remains. The items do not belong to me and i am wanting it to be removed. Here are the items : 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