vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-30 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
My student loans had gone in default and were transferred to a collection company- back in 2018 I setup a payment plan to bring those out of default but the old information still shows on my credit report. In addition that company helped me consolidate my debt owed to XXXX XXXX XXXX XXXX into my loans that are out of default and back to being processed through XXXX XXXX and are currently deferred due to Covid 19. The XXXX old account information still shows on my report as well. This year I submitted a new fasfa and tried to reenroll at XXXX. I was told I still owed that account balance that I had thought was consolidated so I paid it to the school in order to enroll. After I submitted a complaint with you I noticed my consolidated loan balance went to XXXX rather than XXXX refunding the money to me during a current hardship as a XXXX XXXX. I decided not to reenroll at the college due to a multitude of troubles that I endured while registering and with the financial aid awards being different than what I had been told in correspondence from fasfa. All the old holders of my loans before transferred or while in default are still showing also.

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 2021-07-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Bayside Credit
State: CA

Complaint narrative:
I gave my XXXX XXXX away after having major car issues. I gave it away and the person who took it were to pay off the remaining balance and I would be released of any financial obligations. I signed the pink slip and all DMV paperwork the finance company was notified yet XXXX from XXXX continue to threaten stalk and harass me in all and everyway including through family members and at work

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: CA

Complaint narrative:
I have six accounts on my credit report that are not mine they do not belong to me I have not opened these accounts I dont know what they are for I need them off my credit asap!!!

DEPT OF EDUCATION/XXXX  - Acct # XXXX Amt {$0.00} DEPT OF EDUCATION/XXXX  - Acct # XXXX Amt {$0.00} US DEPARTMENT OF EDU - Acct # XXXX Amt {$1900.00} US DEPARTMENT OF EDU - Acct # XXXX Amt {$1100.00} XXXX XXXX - Acct # XXXX Amt {$1400.00} XXXX - Acct # XXXX Amt {$310.00}

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 2021-07-30 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: CA

Complaint narrative:
I have six accounts on my credit report that are not mine they do not belong to me I have not opened these accounts I dont know what they are for I need them off my credit asap!!!

DEPT OF EDUCATION/XXXX  - Acct # XXXX Amt {$0.00} DEPT OF EDUCATION/XXXX  - Acct # XXXX Amt {$0.00} US DEPARTMENT OF EDU - Acct # XXXX Amt {$1900.00} US DEPARTMENT OF EDU - Acct # XXXX Amt {$1100.00} XXXX XXXX - Acct # XXXX Amt {$1400.00} XXXX - Acct # XXXX Amt {$310.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Monterey Financial Services LLC
State: IL

Complaint narrative:
Monetary financial services LLC DATE REPORTED MISSED PAYMENT TO XXXX XXXX credit Bureau ( XX/XX/2021 Balance {$190.00} Current balance is paid and current there is no history of late payments this is false please remove

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: KEYCORP
State: CT

Complaint narrative:
on XX/XX/XXXX I was at Key bank locatedXXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX who I deal in this bank for over 15 years offer me their Credit card and told me if I spend {$1000.00} in the 1st 60 days I will get {$150.00} & 2 % for all my purchas. I complied with the promotion, and called about my money, they told me will take 60 days. I called again in XXXX was told in 90 days I will get my {$150.00}. Called several times this month and went in person and XXXX XXXX told me I don't see the promotion that she offer me and they are trying to resolve the situation. I was told she will call me with a resolution. No calls back no money in my account. I did not need any additional credit card, I was mislead to get key bank cc. 
I been a client in this bank for over 15 years and do not appreciate lies. 
I do believe if she make a mistake the bank still should be responsible for what i was promise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: IL

Complaint narrative:
The debt was paid. Needs to be updated and removed from 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 explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Northwood Asset Management Group
State: OH

Complaint narrative:
I received several harassing phone calls as have my family and my employer. I contacted them to ascertain and ask for actual information to be sent via mail to my home to be sure the charge/debt is legitimate. They became hostile and refused to provide any information and about the actual debt owed. They then started to call and harass both my siblings along with calling me at work and calling my past employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: GA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX  you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: CNG FINANCIAL CORPORATION
State: WI

Complaint narrative:
I'm to understand that XXXX XXXX XXXX operates Check N Go. 
I've been battling with Check N Go and the company they sold the account to before bankruptcy, XXXX XXXX XXXX. They are reporting inaccurate information to my XXXX  Credit Report. I've asked repeatedly for this to be fixed or for the account to be deleted. Check N Go has contradicted themselves by saying it is XXXX XXXX XXXX who is to fix issues, but when told that XXXX XXXX XXXX XXXX it is Check N Go that is reporting the inaccuracies, Check N Go changed their story while continuing to refuse to fix the issue. 
By refusing to comply with the FCRA and fix the inaccuracies or delete them, my consumer rights are being violated and violations of the FCRA are being committed. This needs to be resolved. Predatory companies like this, should be put out of business when they don't abide by the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
On XX/XX/2021 Credit Acceptance reported my payment for the month of XXXX as late when I had a billable credit card on file with the company. 

The issue is I was directed to put a card on file for automatic billing and I was advised I " could '' use a credit card not a debit card. 

I followed instructions by placing a credit card on file only to have this form of payment rejected. I was not notified about the rejected payment and or the late payment until after the 30 day period. 

The issue is that I was told by a representative on XX/XX/XXXX that a " credit card '' was a sufficient form of payment and that it could be added to my profile. 

My complaint is I now have a late payment on my credit report which ruined my credit and any chances of purchasing a home I already had under contract. 
I lost the home and the mortgage pre approval and my credit score dropped over 100 points.

i reached out to Credit Acceptance via there dispute process and was denied any validation and or correction of the error and consideration of removing the " Late Payment '' in good faith. 

My payments were current before and after this incident and I have suffered a great loss due to this error on their part.

Credit Acceptance needs to post acceptable forms of payment in their online website payment portal.

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 2021-07-30 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: CA

Complaint narrative:
There is one account on my credit report that is not mine I have not applied used or know of this account I need this off my credit report ASAP!!! 

XXXX XXXX XXXX  XXXX  - Acct # XXXX Amt {$7300.00}

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 2021-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/2021 I started receiving emails from Chime. They were saying I have a new account tied to my email and I also started receiving texts. I never signed up for this account. When they texted me saying my debit card was on the way I got concerned. My credit report shows no new activity. I contacted them to close the account. They can not close the account without a picture of the front and back of my ID as well as a picture of me holding the ID. Whoever opened the account was able to do so without such information. I shouldn't have to provide private details that could allow my identity to be stolen in order to close an account that I never opened. They are either allowing scammers to open accounts without any information, or they are opening accounts for people in an attempt to market their product in a very shady way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: NJ

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: FL

Complaint narrative:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC
State: MS

Complaint narrative:
On XX/XX/XXXX, per Monterrey collections, someone opened an account using my email and debit card with a company called XXXX XXXX XXXX, XXXX. My debit card was charged {$160.00} which caught my eye. I contacted the company and was met with a rude agent that refused to give me any information. I informed the company this was not my account and to cancel the services. They said they have a 3 day cancellation policy and that I was liable for their services although no services were rendered to me and they refuse to send me what services or documentation I should be paying for. On XX/XX/XXXX, I was informed my account was in collections and that I had to pay. Again I requested information on the services that should have been afforded to me that I owed. To no avail, I was dismissed and harrassed daily. I asked not to be contacted by the company and they reported this account to the credit bureau and added additional fees. I reported this to my local authorities and sent them the police report. They told me I was responsible and they had nothing to say to me. I would like to report this consumer as a bully and trying to steal money from hard working people. I asked that they removed this account from my credit report and I would like to report them CFPB and publish my statement on consumerfinance.gov so that others would hopefully not be bullied by this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-30 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: FL

Complaint narrative:
I have been disputing these account with XXXX, Transunion and XXXX  for over a year now and they still have not been resolved. This is affecting my life terribly. 
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
Company XXXX XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX {$3200.00} Company XXXX  XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX {$2200.00} Company XXXX XXXX XXXX  Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX {$7900.00} Company XXXX XXXX XXXX Account number XXXX Account status Closed Date opened XXXX XXXX, XXXX Account type Credit Card Balance on XX/XX/XXXX {$8200.00} Company XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX Account type Debt Buyer Balance on XX/XX/XXXX {$2000.00}

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 2021-07-30 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: FL

Complaint narrative:
I have been disputing these account with XXXX XXXX and Equifax for over a year now and they still have not been resolved. This is affecting my life terribly. 
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
Company XXXX XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX {$3200.00} Company XXXX  XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card XXXX on XX/XX/XXXX {$2200.00} Company XXXX XXXX XXXX  Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX {$7900.00} Company XXXX XXXX XXXX Account number XXXX Account status Closed Date opened XXXX XXXX, XXXX Account type Credit Card Balance on XX/XX/XXXX {$8200.00} Company XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX Account type Debt Buyer Balance on XX/XX/XXXX {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: WI

Complaint narrative:
I'm to understand that XXXX XXXX XXXX operates XXXX  XXXX XXXX. 
I've been battling with XXXX  XXXX XXXX and the company they sold the account to before bankruptcy, XXXX XXXX XXXX. They are reporting inaccurate information to my Experian Credit Report. I've asked repeatedly for this to be fixed or for the account to be deleted. XXXX  XXXX XXXX  has contradicted themselves by saying it is XXXX XXXX XXXX who is to fix issues, but when told that XXXX XXXX XXXX states it is XXXX XXXX XXXX that is reporting the inaccuracies, XXXX XXXX XXXX changed their story while continuing to refuse to fix the issue. 
By refusing to comply with the FCRA and fix the inaccuracies or delete them, my consumer rights are being violated and violations of the FCRA are being committed. This needs to be resolved. Predatory companies like this, should be put out of business when they don't abide by the law.

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 2021-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
N

otice for Proof of Claim : I was looking into doing a loan for my business and discovered that I was a victim of fraud. Someone has been using my ID the accounts listed were never opened by me. SOUTHWEST CREDIT SYSTEMS, L.P.
# XXXX I have filed a complaint with the CFPB and FTC report as well. 

There are some addresses on my credit report that I do not recognize never lived at these addresses before.Please delete the following addresses :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
There was fraudulent activity on my credit report. A false address through experian ( XXXX XXXX XXXX XXXX XXXX XXXX, Florida ) & hard inquiries on all 3 credit reports from capital one & XXXX XXXX XXXX. I contacted those banks & let them know that those were fraudulent & to take them off. I also contacted the credit bureaus & froze my credit since the fraud alerts werent working. I was able to dispute on all credit reports besides transunion due to identity problems. Thats why I had to contact the banks to remove the fraudulent credit card activity. Those dates were XX/XX/XXXX & XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief