vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-14 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: KY

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. I AM FILING THIS COMPLAINT FOR MYSELF TO REQUEST THAT YOU BLOCK THE FOLLOWING INCORRECT INFORMATION FROM MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN LOANS AND CREDIT CARDS FROM. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF IDENTITY THEFT. PLEASE LET ME KNOW IF YOU NEED ANY OTHER INFORMATION FROM ME TO BLOCK THIS INFORMATION 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 2023-04-14 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: GA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
Well, I had a car that I got from a loan company name credit acceptance and I have already paid them full in balance. I did a basically a on short pay like half the amount of XXXX I had gap insurance and it covered the other half my insurance company and theyre saying that the person that documents that the car has been paid in full its still showing on my record and its been more than seven years and I really need that taken off my credit because its affecting me getting other things in the future and Ive also talked to them that I already paid his car and hes already taken off and I no longer have the vehicle because the vehicle have mechanical issues so they claimed it as total loss and long is satisfied. Its settled already.

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 2023-04-14 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: MS

Complaint narrative:
XXXXXXXX XXXX  ( secured ) XXXX XXXX  ( credit card ) XXXX XXXX {$7900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$7800.00} XXXXall of the above has violated all or any of my rights..15. u.s.c. # 1681 section 602 A. STATES -a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: MS

Complaint narrative:
XXXX XXXX ( secured ) XXXX XXXX ( credit card ) XXXX XXXX {$7900.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$7800.00} XXXXall of the above has violated all or any of my rights..15. u.s.c. # 1681 section 602 A. STATES -a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
I have a balance with XXXX college of {$1500.00}. The representative stated I could only make 4 payments to avoid this being on my credit report. I did set up payments to avoid this however someone hacked my checking account and the first payment was returned. I can not afford the payment of {$400.00} every 2 weeks at this time. Until my account is credited and everything is caught up I can afford {$100.00} a month for the time being. I do not want this to hit my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
My loan was sold to Roundpoint late in XXXX. I received my first statement from them on XX/XX/XXXX letting me know that my first payment was due on XX/XX/XXXX in the amount of {$3000.00}. I made that payment on XX/XX/XXXX and then began bi-weekly payment in XXXX in the amount of {$1600.00} via my bank account. In XX/XX/XXXX, I received a late notice and was charged a late fee. I called Roundpoint and it was found that payments had been misapplied. I was told that would be corrected and that the late fee would be reversed and that this would bring my account current and the next payment would not be due until XX/XX/XXXX. I asked about setting up bi-weekly payments through them to avoid the issue and the only way to do that is by mailing in a paper form. This was XXXX and I continued making my bi-weekly payments of {$1600.00} even though the account was current. 
My plan was to set up bi-weekly payments by mailing in the paper form but before any of this could be handled, I received another late notice for XXXX. At that time, I paid another {$1600.00} via my bank account because they do not allow you to make partial or custom amount payments on their website. I also enrolled in autopay so that I could avoid the issue any further and gave up on trying to pay bi-weekly with them. This morning, I received a call from Roundpoint saying I still owed another {$290.00}. I tried explaining to them and they were unwilling to budge. I was forced to pay the amount or suffer another late fee. At that time they also instructed me that my payments had gone up around {$400.00} per month, which I never received notice of, which is why I owed the additional {$290.00}. To date I have paid Roundpoint {$16000.00} which is far more than I owe given I've only had 4 months of payments with them. They do not offer any online support to resolve and require forms to be mailed in. They can not take credit card payments over the phone, they do not apply funds correctly, and they have terrible customer service. Consumers should not be subjected to this treatment. I had not choice in the matter and I am extremely dissatisfied.

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 2023-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I spoke to Ally bank today stating that my account will be closed due to dispute transaction which they said that I falsely reported after my account being restricted due to XXXX transactions. I filed a dispute for a transaction that I did but never received the item. The representative that I spoke today said that I shouldn't be doing it since I made the transactions and deal with the merchant. He said that theres nothing ally can do with it. I told them that after talking to the merchant and the merchant is not willing to cooperate, the last thing to do is to report it yo the issuing bank which i did. I told them that I also receive a letter asking for information like when did i contact the merchant etc. they have been holding my paycheck and now since they are closing my account for a certain transaction that they misunderstood, i a bound to have no money until they resolve it which i don't know when.

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 2023-04-14 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX  reported broken lease XXXX. They also reported debt for repairs to the apartment unit totaling {$1100.00}. These repairs were requested by me to be fixed and the office never took care of them. I was diagnosed with XXXX at the end of XX/XX/XXXX and was unable to return to work. I am XXXX XXXX and this had no additional sources of income. I applied for rental assistance to assist with rent from XXXX as that was the duration of my lease. During this time of waiting on the assistance to come in, eviction was filed. Payment was received and processed and according to management the eviction was reversed. Upon trying to move I was denied by several other apartments due to an eviction on my credit. I requested proof of reversal and never received one. Unable to move at the end of my lease, I accepted the rental assistance through XX/XX/XXXX. Management requested I renew my expired lease and I declined due to the lack of response to complaints by management. In response the office decided they wouldnt accept any funding from project reset and submitted a 30-day vacate notice. They then charged me {$980.00} in lease termination fees, {$100.00} in late fees and {$490.00} in month to month fees. I did not terminate the lease and was not able to provide payment outside of the assistance. I vacated the unit on XX/XX/XXXX. My credit report shows a balance of {$2700.00} and I did not sign off on this, I notified the apartments that this was incorrect and asked them to submit an accurate bill. This was not done. The credit bureaus have not removed this from my report and the collections agency National credit systems is still submitting this debt to my credit report. I have since been unable to lease a new apartment and there has been no resolve. This report is inaccurate and I have copies of my lease, the unsigned bill, and communication with management to support the series of mentioned events. Im requesting this be removed from my credit report due to inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: NJ

Complaint narrative:
Today, XXXX, XX/XX/XXXX, I am filing a complaint on accounts that were fraudulently opened under my identity. I check my credit reports on a daily basis since I have been victimized with identity theft since XXXX of XXXX last year. Utility accounts have continuously been opened under my identity linked to Texas addresses I have no association with. I am and have always been a resident of New Jersey all of my life and have never visited or resided in Texas. Upon checking my credit reports yesterday, I discovered two new fraudulent accounts that were placed for collections under my identity. The two utility companies that sent me to collections are XXXX XXXX and XXXX XXXX XXXX and both accounts were taken over by the collection company, Online Information Services. After discovering these collections on my accounts for all three credit bureaus, I contacted Online Information Services to dispute both fraudulent accounts yesterday on Thursday, XX/XX/XXXX. I spoke with their representative, XXXX, who provided me with all the information on both of these fraudulent accounts. She stated the XXXX XXXX account is in collection for the amount of {$620.00} and the address linked to this account is XXXX XXXX XXXX, XXXX, Texas XXXX. This fraudulent account is owed {$620.00} as of XX/XX/XXXX. The XXXX XXXX XXXX account is in collection for the amount of {$490.00} and the address linked to this fraudulent account is XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. The amount owed is {$490.00} as of XX/XX/XXXX. In total, the collection agency, Online Information Services, is attempting to collect {$1100.00} for these fraudulent accounts. The dates these utility accounts were opened are around the same months from last year that I have submitted complaints for other fraudulent accounts with CFPB. After viewing my older complaints filed with CFPB, I saw the address XXXX XXXX XXXX XXXX, XXXX, Texas XXXX appear on my Complaint # XXXX. The identity thief using this address sent me into collection with another collection agency, XXXX XXXX XXXX, which was later resolved. After believing the identity thief could no longer open accounts under my identity after placing freezes on my credit reports, I was wrong and still continue to discover fraudulent accounts being opened and sent into collections under my identity. I have filed police reports documenting this entire identity theft situation and I have been placed under the FBI database in regards to this matter. This whole situation has been a nightmare and has taken a toll on my mental health not knowing what I will discover next. CFPB has truly been a blessing in helping me resolve my credit report issues and I pray this identity thief is caught so this can all stop for good.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My checking business account was closed by Bank of America in XX/XX/2022 for an amount of {$9500.00} and as of XX/XX/XXXX I still have not received the funds that correspond to me. I have called the bank many times and the only information they give me is that my funds are being verified. At the time of closing the account, the bank told me that in 7 business days they would send a check to my address, 10 months have passed and I still don't have my money.

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 2023-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
i had a backrupcy that was final earlier this year and kept my car. i am making all payments, always have on time. My account has been taken off my credit report and showing nothing at all now, and this is not fair since i have been making all my payments on time and trying to rebuild my credit. I have reafirmed my loan with the court for my loan, and have talked with santander and they wont report my loan payments. this is not fair to me as ia m trying to rebuild my self and get back on track.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: U.S. BANCORP
State: MN

Complaint narrative:
XXXX XXXX  scam email requesting {$13.00} for next month prime payment they said was disallowed by my credit card. directed to web address that collected info about my XXXX password and then my credit card. the web address was XXXX XXXXXXXX

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 2023-04-14 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: NC

Complaint narrative:
In accordance with the Fair Credit reporting Act, the following list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX Acct # XXXX XXXX XXXXXXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXXXXXX Acct # XXXX The Bank Of XXXX XXXX XXXX Acct # XXXX Bank XXXX XXXX XXXX Acct # XXXX XXXX XXXXXXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXXXXXX XXXX  Acct # XXXX North Carolina Bankruptcy Report 15.U.S.C. 1681 Section 602 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 an account without my written instructions.

15.U.S.C. 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more then seven years.

15.U.S.C. 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-14 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: NC

Complaint narrative:
In accordance with the Fair Credit reporting Act, the following list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX Acct # XXXX XXXX XXXXXXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX Capital XXXX Acct # XXXX The Bank Of XXXX XXXX XXXX Acct # XXXX Bank XXXX XXXX XXXX Acct # XXXX XXXX XXXXXXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXXXXXX XXXX  Acct # XXXX North Carolina Bankruptcy Report 15.U.S.C. 1681 Section 602 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 an account without my written instructions. 15.U.S.C. 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more then seven years. 15.U.S.C. 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurat
e.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: IN

Complaint narrative:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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:
There are lots of things on my credit report I am not familiar with

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 2023-04-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I will be including a PDF document explaining my problem with securing my account with american express.

Company response to consumer: Closed with explanation