vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX provides incorrect credit scores to various creditors. I make six figures and over the past year I tested and applied for 2 credit cards. All my bills are paid on time. The only debt on my credit report and XXXX in both applications recommended denial of credit. Stating I have delinquent accounts. This is retaliation and discriminatory.

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 2022-03-09 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 — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I called on XX/XX/XXXX in regards to my late payments for XX/XX/XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX payments. I never received an email indicating that my account was past due. The credit card lender never called or sent mail to identify the problem. Without further notice the account was closed by the credit card lender in XXXX XXXX have requested proof of mail or email sent in regard to late notices and requested monthly statements dating back to XX/XX/XXXX. All I received was a notice stating that I changed from paper mail to electronic mail without a specific date from shop your way mastercard by citi bank.

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 2022-03-09 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: FL

Complaint narrative:
Trans union provides incorrect credit scores to various creditors. I make six figures and over the past year I tested and applied for 2 credit cards. All my bills are paid on time. The only debt on my credit report and transunion in both applications recommended denial of credit. Stating I have delinquent accounts. This is retaliation and discriminatory.

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 2022-03-09 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: GA

Complaint narrative:
FCRA violation : Incorrect balances being reported. High balance reported inaccurately by 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 2022-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I made a payment in the amount of {$3100.00} to be credited to my Bank of America Alaska business card ending in XXXX. However, I accidentally made the payment to my personal Alaska card in XXXX. After I realized the error I called Bank of America and requested the payment be transferred to my business card ending in XXXX on XX/XX/2022. The payment has not been transferred, no updates. Payment is due on XX/XX/2022. I am concerned I will incur interest and late fees. I have called 6 times to inquire about the status of the transfer and no update.

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 monetary relief
Consumer complaint received 2022-03-09 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 — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
In XXXX I paid my account in full. Then in XXXX interest from my last statement occurred did not know and was not notified until I seen a missed payment on my credit report for {$14.00} called to speak with them they said there is nothing they can do that I have to contact the credit agencies paid in full {$32.00} because of fees and they said they put a note about my complaint but there was nothing else that they could do that I had to contact the credit bureaus I did not use my card so I did not know I had a payment did not know that interest occurred asked them to take it off and they said they couldnt. I have never been late and want this removed off my credit as late payment or missed payment

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 2022-03-09 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: GA

Complaint narrative:
FCRA violation : Incorrect balances being reported. High balance reported inaccurately by XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: GA

Complaint narrative:
FCRA violation : Incorrect balances being reported. High balance reported inaccurately by 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 2022-03-09 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: NJ

Complaint narrative:
After reviewing my credit report, I am not happy to see the below items that are still showing in there even though I have informed you that they are inaccurate and negatively impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: NJ

Complaint narrative:
After reviewing my credit report, I am not happy to see the below items that are still showing in there even though I have informed you that they are inaccurate and negatively impacting my credit score.

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 2022-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: MoneyLion Inc.
State: SC

Complaint narrative:
They stole my money from my XXXX and I asked them to send me back an adjustment which they did but never allowed me to withdraw my funds

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Stellantis Financial Services US Corp.
State: GA

Complaint narrative:
I had a vehicle financed through First Investors. I was in a car accident in XX/XX/2021 in which the vehicle was totaled out. In XX/XX/2021, I was told by First Investors that the gap insurance claim was denied and that I would still have to cover the remaining balance ( approximately {$1400.00} ) on the account. They also informed me that since the gap claim was denied, they would apply a refund check in the amount of about {$370.00} and that it would take 6-8weeks for them to receive said check. I later found out from the company that provides the gap insurance that First Investor NEVER filed a gap claim as they had stated to me. Because of their dishonesty and giving me misleading information, Ive now missed the opportunity to possibly have the remaining balance paid off by the gap insurance, which I was entitled to if the claim had of been filed and approved.

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 2022-03-09 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: NY

Complaint narrative:
In the Fair Credit Reporting Act it stimulates that student loans are need based loans, lenders are not in need to view my credit score when extended for a credit. It's not meant to be on my credit record because it has nothing to do with credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
keep on receiving notices for a debt collection company called NCB MANAGEMENT SERVICE, Stating that I owe {$4100.00}, I never dealt with this company or owed them money. I spoke to NCB MANAGEMENT SERVICE, I told them to verify this debt, they still haven't provided me proof, and there are still trying to collect this debt and report it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: NY

Complaint narrative:
1XXXX  XXXX XXXX XXXX points on my Equifax credit report unfairly and inaccurately. All Accounts removed are being deducted from my general score this is wrong. Accounts balances reported as decrease is deducting reports. This is wrong. Accounts with no status being reported is deducting points. 
2.XXXX XXXX reporting removed accounts as still open by not removing the account. 
3XXXX XXXX XXXXs not reporting all the accounts accurately. Accounts are being reported close as open. Closed accounts must be deleted. Closed accounts are paid in full. Please remove the accounts that are placed in different areas on Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: NY

Complaint narrative:
I discovered erroneous late payments after obtaining my credit report, which were not intended to be reported late under the Covid-19 Pandemic Forbearance Period.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: NY

Complaint narrative:
I discovered erroneous late payments after obtaining my credit report, which were not intended to be reported late under the Covid-19 Pandemic Forbearance Period.

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 2022-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
Yes I was charged monthly and still am after being cancelled by usaa XXXX XXXX they wouldnt give me a new policy because I moved out of state to XXXX XXXX XXXX then after I went with XXXX they reinstated my policy and keep billing me for another state

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: GA

Complaint narrative:
I am writing in regards to having these items deleted from my report. I am a victim of identity theft and I did not make these charges mentioned on the attached list. I have reported the theft of my identity to the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: GA

Complaint narrative:
I am writing in regards to having these items deleted from my report. I am a victim of identity theft and I did not make these charges mentioned on the attached list. I have reported the theft of my identity to the Federal Trade Commission.

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 2022-03-09 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: FL

Complaint narrative:
I have new and updated information concerning Equifax. Equifax has published a consumer report about me for an impermissible purpose ; but yet, claims they can not identify me, in which case even more reason why Equifax should not be publishing any consumer report when all details have not been verified. Moreover, Equifax has failed to delete items in accordance with my written instructions as the consumer. Equifax is in violation of my rights as a federally protected consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: MO

Complaint narrative:
I have been reaching out to TransUnion, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from TransUnion and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of 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 2022-03-09 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: MO

Complaint narrative:
I have been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXXS Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: VA

Complaint narrative:
I have two accounts with XXXX XXXX XXXX XXXX that are being reported erroneously and making my credit utilization 80 % at this time. 

All three bureaus are reporting these two accounts with wrong current balance and also monthly payment status. 

XXXX XXXX XXXX -- {$21000.00} XXXX XXXX XXXX  XXXX -- {$310000.00} The above indicates the current balance for both accounts as of XXXX XX/XX/2022. These account errors are negatively affecting my in the banking system and credit evaluation and monitoring.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX points on my XXXX credit report unfairly and inaccurately. All Accounts removed are being deducted from my general score this is wrong. Accounts balances reported as decrease is deducting reports. This is wrong. Accounts with no status being reported is deducting points. 
XXXX XXXX reporting removed accounts as still open by not removing the account. 
XXXXXXXX XXXX is not reporting all the accounts accurately. Accounts are being reported close as open. Closed accounts must be deleted. Closed accounts are paid in full. Please remove the accounts that are placed in different areas on 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 2022-03-09 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX points on my Equifax credit report unfairly and inaccurately. All Accounts removed are being deducted from my general score this is wrong. Accounts balances reported as decrease is deducting reports. This is wrong. Accounts with no status being reported is deducting points. 
XXXX XXXX reporting removed accounts as still open by not removing the account. 
XXXX XXXX is not reporting all the accounts accurately. Accounts are being reported close as open. Closed accounts must be deleted. Closed accounts are paid in full. Please remove the accounts that are placed in different areas on Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
I've had XXXX conversations with Credit Acceptance Corp over 3 months. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

I've attempted to clear my past due balance as I was out of work for XXXX weeks due to complications of a sickness I had which has now subsided. My income was non-existent and I called the company multiple times to resolve and all they have told me was that " sorry, we can not help you ''. I was asked to make multiple payments within weeks of each other as I come out of this hardship which I can not do and I have made them aware. 

I know lenders do have solutions for situations like mine but for some reason have chosen not to help me. I am able and willing to pay them going forward but can not simply write them a check for the past due because I had no income during the time I was delinquent.

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 2022-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX XXXX case # XXXX, XXXX XXXX case # XXXX ..., XXXX XXXX XXXX XXXX case # XXXX ...., XXXX XXXX XXXX XXXX XXXX case # XXXX ...., XXXX XXXX case # XXXX ...., XXXX XXXX case # XXXX ...., and XXXX XXXX case # XXXX ...., has violated 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 Thank you for helping rectify this situation. I feel at this point my rights have been violated. Please delete off all my credit reports ( XXXX, XXXX, Transunion ) 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