vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-16 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: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
mr cooper wont see it my way just do everything they want in the first place how can you say my payments were lare they were made as always and you guys accepted them instead of returning them to XXXX which would of gave me idea payments were messed up but you guys kept accepting payment from me instead of sending them back wgich would of gave me a inkling to problem that was happening you accepted monthly payment every month instead of saying no not enough. i made my payment like clockwork till i got a letter in may which made me up money which i thought was overdue taxes tp make amount you wanted for may.the exces amount was not due till XX/XX/XXXX which means you got what you wanted payed to you guys ahead of time.the amount that was past due was on account which i pay ahead of time and you got mothly amount due payed ahead of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 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: Byrider Franchising, LLC
State: CO

Complaint narrative:
JD BYRIDER reported full repossession with {$0.00} owed in error after I paid {$700.00} to restore the account. I made the payment 6 days prior to the company making the report as shown on all credit reporting agencies. This caused my credit score to drop almost a 100 points even though I have full possession of the vehicle. I called the company and the finance manager stated they would not have done that and would look into it. The following day they shut off my car while we were at a convenience store. I have proof that I was only 2 weeks late on payment. Not 30 days. I pay biweekly. Their f8nace team sent an email about payment today but did not state the car would be shut off. There are major repair issues that they sold me the with and yet they refuse to fix without me paying for it. I have asked to file a formal complaint about the illegal reporting and they have not responded. They took my money XX/XX/23 and reported on XX/XX/23 full repossession with {$0.00} money owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I finished the requirement on XX/XX/15, and should earn XXXX AA miles. Chatted with citi agent and got confirmed. However, miles should have posted XX/XX/15 for me but did not. Called Citi and got the run around of what their terms are. Eventually was told that they created a ticket. I received a response as another poster below that the fulfillment is done systematically and would be paid out 90 + 30 days.

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 2023-07-16 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: NC

Complaint narrative:
First the date I opened the account varies depending on which bureau you view it from the amounts are all over the place. The fair credit act starts every thing must be 100 % accurate or removed from 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 2023-07-16 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: NC

Complaint narrative:
First the date I opened the account varies depending on which bureau you view it from the amounts are all over the place. The fair credit act starts every thing must be 100 % accurate or removed from my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-16 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: NC

Complaint narrative:
First the date I opened the account varies depending on which bureau you view it from the amounts are all over the place. The fair credit act starts every thing must be 100 % accurate or removed from 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 explanation
Consumer complaint received 2023-07-16 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:
XXXX XXXX wont see it my way just do everything they want in the first place how can you say my payments were lare they were made as always and you guys accepted them instead of returning them to XXXX which would of gave me idea payments were messed up but you guys kept accepting payment from me instead of sending them back wgich would of gave me a inkling to problem that was happening you accepted monthly payment every month instead of saying no not enough. i made my payment like clockwork till i got a letter in may which made me up money which i thought was overdue taxes tp make amount you wanted for may.the exces amount was not due till XX/XX/XXXX which means you got what you wanted payed to you guys ahead of time.the amount that was past due was on account which i pay ahead of time and you got mothly amount due payed ahead of time.

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 2023-07-16 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: IL

Complaint narrative:
XXXX XXXX wont see it my way just do everything they want in the first place how can you say my payments were lare they were made as always and you guys accepted them instead of returning them to XXXX  which would of gave me idea payments were messed up but you guys kept accepting payment from me instead of sending them back wgich would of gave me a inkling to problem that was happening you accepted monthly payment every month instead of saying no not enough. i made my payment like clockwork till i got a letter in may which made me up money which i thought was overdue taxes XXXX  make amount you wanted for may.the exces amount was not due till XX/XX/XXXX which means you got what you wanted payed to you guys ahead of time.the amount that was past due was on account which i pay ahead of time and you got mothly amount due payed ahead of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 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: VA

Complaint narrative:
in accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX, MY RIGHTS.

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

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
TransUnion/XXXX XXXXXXXX will not allow me the option to file disputes on-line on their web-site. I have tried in the past and currently trying to file disputes and they are requesting that I do so via USPS. I have no problems filing with XXXX or XXXX. This seems unfair and is causing me stress in that I am having to provide all sorts of documentation. They should not discriminate.

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 2023-07-16 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: FL

Complaint narrative:
XXXX CONTINUES TO CONTACT ME BY MAIL AFTER THE ACCOUNT HAS BEEN DISPUTED. 

I HAVE REQUESTED A COPY OF THE CONTRACT THAT BINDS MYSELF AND THE COMPANY XX/XX/ IN RESPONSE TO MY REQUEST XXXX DID NOT PROVIDE ME WITH MY REQUEST WITHIN 30 DAYS. 

XXXX CONTINUES TO REPORT INACCURATE TO THE CREDIT BUREAUS. 

ALL INFORMATION REGARDING THIS ACCOUNT NEEDS TO BE INVESTIGATED ACCOUNT # XXXX CREDIT CLASSIFICATION- RETAIL DATE OPEN XXXX FIRST DELINQUENCY XXXX DELINQUENCY DATE BEFORE THE ACCOUNT WAS OPENED? 

THE CREDIT BUREAUS ARE RE-AGEING THE ACCOUNT WITH AN UPDATED THE BALANCE DATE WITH NO ACTIVITY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 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: Westlake Services, LLC
State: GA

Complaint narrative:
I financed XXXX XXXX ( XXXX ) in 2020. I set up automatic payments and put two forms of payment on file to ensure there would never be an issue with payments. About a year later, Westlake portfolio became the service provider. I received a letter notifying me they would be the new service provider, but not to worry because nothing would change. Since they never asked me to update any payments, I was under the impression everything was fine on their end. A few months later, I kept getting emails from Westlake stating my payments were late. I logged into the online portal, but it displayed that I was current on automatic payments and showed no disruption in payment history. I made a payment anyway, but it kept happening. Finally, back in XXXX, I got a notification that they had reported late payments to the credit bureau. I called Westlake and immediately told them the situation. I asked them to please remove the late payment. They saw I had the payments set up in the system. I went ahead and paid off the balance, and the person ensured me it would be removed. I paid it off in XXXX, and it is still showing up on my credit report incorrectly. I have tried multiple times to talk with the company, and they keep telling me they can't help me. This company is reckless and unethical.

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 2023-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a joint checking account at Bank of America with XXXX XXXX. He has a sole credit card account for his business with Bank of America also. On XX/XX/XXXX, I noticed that {$370.00} was taken out of the joint checking account. There was a note that said " offset debt ''. I called Bank of America immediately. 
The representative shared with me that Bank of America had a right to take money from my account to pay another debt to one of their " assets ''. However, this is a joint bank account. The debt is associated with XXXX XXXX. It is not a joint debt. I should have rights as a joint co-owner to protect my funds. The banking representative could not share any information about the debt. I asked them to go through the normal debt collection process. This seems like an unsavory and unethical practice. The debt in question was being handled by XXXX XXXX. However, they would not refund the money. I am filing a complaint, because joint account holders should have rights and not be held liable if the debt is not shared. I had not heard about this practice. This should be in BOLD PRINT to any consumer who has a checking account.

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 2023-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Personal Information : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, SC XXXX XXXX XXXX ++ This is the CORRECT name, address, SS #, phone #. 
++ Anything other than above is incorrect and should be deleted and updated 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 2023-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Personal Information : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, SC XXXX XXXX XXXX ++ This is the CORRECT name, address, SS #, phone #. 
++ Anything other than above is incorrect and should be deleted and updated immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 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: FL

Complaint narrative:
Inquiries that I didn't do... 
Late payments that wasn't late

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 2023-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Personal Information : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, SC XXXX XXXX XXXX ++ This is the CORRECT name, address, SS #, phone #. 
++ Anything other than above is incorrect and should be deleted and updated 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 explanation
Consumer complaint received 2023-07-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
I dispute so manny times, XXXX doesnt listen to me keep saying yhe document that I sent is unrelated XXXX XXXX XXXX XXXX XXXX work with XXXX XXXX XXXX is same company they keep saying is unrelated, the documet that I sent has same date, same hour, same year.. I paid this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 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: TN

Complaint narrative:
I have no idea what kind of credit card XXXXXXXX XXXX XXXX issues. My identity has been stolen, I lost my wallet a few years ago & made a police report due to my debit card being used and cell phones being applied for under my social security number. I also had not been contacted about this debt nor had any knowledge until I pulled my credit report. Apparently, the debt was sold to a third-party company that purchased charged-off accounts in bulk for pennies on a dollar in hopes of collecting a debt. I have not been contacted before being charged off nor sold to this company. I will speak with an attorney if this debt isn't removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Someone open an Bank of America account in my name and they said I owe {$1000.00} and its on my Credt my identity was stole

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 2023-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Business and Consumer Solutions.
State: GA

Complaint narrative:
As I have NO Contract with you, you threatened me by mail and if you precede any further I will see you in Court under CHARGES OF Mail Frauds and Threats. 
As of XX/XX/XXXX I have presented a Credit Set-Off Settlement to the " XXXX ACCT XXXX XXXX '' for the Full Billing Amount, along with an IRS 1099A in full compliance with the Commercial Banking Laws of XXXX. They have 3 days to comply. If they do not settle I will see them ; not you in Court and it will be under the attached Document and mail fraud charges. Furthermore if by any chance you place fraud on my credit reports remove asap, I am a SECURED PARTY CREDITOR that will report your company and said owner and workers to credit bureaus and sue for damages with a lien.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: MoneyLion Inc.
State: MN

Complaint narrative:
I applied for a loan mean to build my credit through MoneyLion. The loan they offer is called the MoneyLion Credit Builder Plus Loan. The entire purpose of the loan is to boosts a consumers credit score. I didnt event get the entire loan up front as part of the terms of the loan is that a portion of it will be held in a reserve and will not be spendable until the loan is paid off in full. During the entire term on this loan I did not see an increase in my credit score like they said it would do. towards the last few months of the loan term I had gotten a new debit card and had forgotten to update it for the MoneyLion loan. Once I realized this I immediately paid off the entire renaming balance with a part of my reserve they were withholding. This was 2-3 months after changing my debit card. I was never told the account was being wrote off, they state they wrote it off in XXXX but I paid the entire balance on this loan in XXXX. There were no messages in the app saying the account was closed, it still showed open. I had no idea as I didnt even get a letter or fair warning they were writing it off. They then put on my credit files that the loan was paid in full but listed as a written off account. They have done the exact opposite of what the loan was meant for. This loan was suppose to help me build my score as they advertised and promised and instead has caused a damaging impact to my credit score, and has made it extremely difficult for me to get accepted for any other financial products. Ive tried disputing this multiple times and they tell me they refuse to remove it from my file. This is the biggest scam and a complete lie of a loan program.

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 2023-07-16 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: FL

Complaint narrative:
Inquiries that I didn't do... 
Late payments that wasn't late

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 2023-07-16 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: FL

Complaint narrative:
Inquiries that I didn't do... 
Late payments that wasn't late

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX  collect car payments but not accurate. XXXX, TransUnion and other credit bureaus reports 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