vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-23 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: TX

Complaint narrative:
This is my XXXX  and XXXX  attempt to get this XXXX late payment removed from my credit profile or to remove the entire account completely. I have sent in XXXX documents supporting my claim and nothing is being done. 

XXXX XXXX XXXX # XXXX During XXXX i was XXXX XXXX XXXX I went though treatments for XXXX to get better. I reached out to XXXX XXXX and requested requesting deferred payment while i recover from covid. I was unable to work. They approved my request. Unfortunately it was not inputted in there system, and next thing you know i have a XXXX XXXX late. I immediately paid the past due amount once i got the notification. I have reached out to XXXX XXXX and they will not assist in removing XXXX XXXX XXXX late payment. I have sent copies of my XXXX XXXX XXXX, testing result and treatment to XXXX, XXXX, XXXX XXXX and Equifax. XXXX is the only one who has listened and has acted. They removed the entire account from my credit report. 

XXXX XXXX, XXXX and Equifax has violated my rights and consumer laws. Per FCRA i have the right to an accurate Credit Report. If i do not get resolution of this i will seek professional representation to get this removed/resolved and will pursue fines and penalties to the fullest!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 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: TX

Complaint narrative:
This is my 3rd and final attempt to get this 30 late payment removed from my credit profile or to remove the entire account completely. I have sent in multiple documents supporting my claim and nothing is being done. 

XXXX XXXX XXXX # XXXX During XXXX i was XXXX XXXX XXXX I went though treatments for weeks to get better. I reached out to XXXX XXXX and requested requesting deferred payment while i recover from covid. I was unable to work. They approved my request. Unfortunately it was not inputted in there system, and next thing you know i have a 30 day late. I immediately paid the past due amount once i got the notification. I have reached out to XXXX XXXX and they will not assist in removing XXXX XXXX 30 late payment. I have sent copies of my XXXX XXXX XXXX, testing result and treatment to Experian, XXXX, XXXX XXXX and XXXX. XXXX is the only one who has listened and has acted. They removed the entire account from my credit report. 

XXXX XXXX, Experian and XXXX has violated my rights and consumer laws. Per FCRA i have the right to an accurate Credit Report. If i do not get resolution of this i will seek professional representation to get this removed/resolved and will pursue fines and penalties to the fullest!!!

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 2022-10-23 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: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
A company by the name of GM Financial has allowed someone to use my personal information to open a auto loan close to the amount of {$49000.00}. I didnt give anyone permission to use my personal information. This is fraudulent. I was never contacted by GM financial before opening a loan in my name and I have a credit alert on my credit reports to be contacted before opening anything in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I filled bankruptcy XXXX  XXXX in XXXX of XXXX. My car loan was included in my bankruptcy. Bankruptcy trustee handled all payments to creditors. XXXX XXXXXXXX XXXX reported about 10-12 late payments on my credit report while I was in bankruptcy. Dates are from XXXX also from XXXX. XXXX XXXX provided a number on last complaint to call to discuss this matter upon calling the number I was told XXXX XXXX  doesnt have a department to help me with this and they dont discuss credits over the phone. There is no way to get this resolved. XXXX XXXX  stated in last complaint that they have no record to show when I made payments to bankruptcy. On this complaint I have provide complete bankruptcy payments history to show I was never late paying bankruptcy. I would like XXXX XXXX  to prove that I XXXX XXXX made late payments not my third party. I was told by bankruptcy lawyers that while in bankruptcy creditors can not add late payments to my credit report being that payments are made through bankruptcy trustee not me. XXXX XXXX stated in last complaint that since I did voluntary dismal I was not protected by bankruptcy XXXX XXXX  was paid in full XX/XX/XXXX voluntary dismal was made XX/XX/XXXX well over a year after XXXX XXXX  was paid in full. I had XXXX accounts added to my bankruptcy XXXX XXXX  is the only account that reported late payments while in bankruptcy, this is a clear violation of my rights protected by bankruptcy and for this I would like XXXX XXXX XXXX  removed from my credit report. I feel they have violated my rights and dont provide a phone number or department to help resolve this matter. 

I have attached complete bankruptcy payments history from XXXX as well as payment history from bankruptcy trustee.

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 2022-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I filled bankruptcy XXXX  XXXX in XXXX of XXXX. My car loan was included in my bankruptcy. Bankruptcy trustee handled all payments to creditors. XXXX  XXXX XXXX reported about XXXX late payments on my credit report while I was in bankruptcy. Dates are from XXXX also from XXXX. XXXX XXXX  provided a number on last complaint to call to discuss this matter upon calling the number I was told XXXX XXXX  doesnt have a department to help me with this and they dont discuss credits over the phone. There is no way to get this resolved. XXXX XXXX stated in last complaint that they have no record to show when I made payments to bankruptcy. On this complaint I have provide complete bankruptcy payments history to show I was never late paying bankruptcy. I would like XXXX XXXX to prove that I XXXX XXXX made late payments not my third party. I was told by bankruptcy lawyers that while in bankruptcy creditors can not add late payments to my credit report being that payments are made through bankruptcy trustee not me. XXXX XXXX  stated in last complaint that since I did voluntary dismal I was not protected by bankruptcy XXXX XXXX  was paid in full XX/XX/XXXX voluntary dismal was made XX/XX/XXXX well over a year after XXXX XXXX was paid in full. I had 18 accounts added to my bankruptcy XXXX XXXX  is the only account that reported late payments while in bankruptcy, this is a clear violation of my rights protected by bankruptcy and for this I would like XXXX XXXX XXXX removed from my credit report. I feel they have violated my rights and dont provide a phone number or department to help resolve this matter. 

I have attached complete bankruptcy payments history from XXXX as well as payment history from bankruptcy trustee.

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 2022-10-23 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: TX

Complaint narrative:
Company of complaint XXXX For account for XXXX XXXX XXXX XXXX : {$8900.00} XX/XX/2019 My wife and I have been disputing an account on our file for months. ( Joint account t ) We have both sent in burden of proof with court and email documents that this account is over inflated and fraudulent. XXXX investigated my wifes file with proof, and had removed it from her file but yet still on mine stating its been verified which is false. It is joint account and should be removed from both at the same time. XXXX does not do a thorough investigation on files at all. Ive had disputes where one minute its under investigation and literally minutes later stating it has been completed and accurate. They have non American speaking reps to answer your calls and does nothing or understand a word you are explaining to them. You can not upload documents on their website XXXX out of XXXX times and making it hard to dispute. It has been removed from my wifes XXXX and XXXX and needs to be removed all together. 
This account has been removed from my XXXX a year ago but yet still fighting with XXXX and Experian. Why we have to have 3 to 5 bureaus to show your identity is insane.

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 2022-10-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: AC AutoPay LLC, Denver, CO Branch
State: OH

Complaint narrative:
Auto pay was taking money and lying saying I would benefit from their services when in fact I did not and would not have ever made a gain by using autopay false advertisement

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 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: SC

Complaint narrative:
To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax or XXXX ) credit report, and I noticed some late payments postedon my credit report : XXXX XXXX XXXX XXXX # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 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: Grain Technology, Inc.
State: SC

Complaint narrative:
To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or XXXX ) credit report, and I noticed some late payments postedon my credit report : XXXX XXXX XXXX XXXX # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 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:
A company by the name of XXXX XXXX has allowed someone to use my personal information to open a auto loan close to the amount of {$49000.00}. I didnt give anyone permission to use my personal information. This is fraudulent. I was never contacted by XXXX XXXX before opening a loan in my name and I have a credit alert on my credit reports to be contacted before opening anything in my name.

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 2022-10-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: FL

Complaint narrative:
I applied online at lendingcashexpress.com for a personal loan. I received call from XXXX XXXX XXXX that I was approved for a {$3000.00} loan. The person told me I needed to call XXXX to receive my loan. I called XXXX, and spoke to XXXX. XXXX told me I had to satisfy a verification process in order to get the loan by paying {$150.00} on an XXXX Card. He mentioned that since they do not pull credit, this is how the company checks that you are qualified to pay back the loan. He also sent me a Loan Agreement for the loan. XXXX told me the {$150.00} would be refunded back to me by the Company paying me {$3100.00} for my loan. I paid {$150.00} for an XXXX Card to satisfy the verification process for the {$3000.00} XXXX. After I paid the verification, XXXX gave me the phone number XXXX to call to get my loan. I spoke to XXXX XXXX at XXXX and he said I would have to pay an additional wire fee of {$300.00} to get my loan. I either want my {$150.00} back or my loan of {$3100.00} which includes reimbursement of {$150.00} XXXX card. The Company should have told me all the out-of-pocket charges of the loan I would be required to pay upfront to get the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
A family member and I were involved in a car accident, late 2021. A man clipped us and pretty much totaled the vehicle. While trying to figure out to handle that, a family member insisted I follow their lead and took me to a dealership that cold called them. They set us up with a used SUV with an almost 30 % interest rate and $ 700 monthly payment. The dealership put my family member 's yearly income as mine, the family member is nowhere on the paperwork as a co-signer, and then they proceeded to hit my credit multiple times until a finance company gave the details of the interest rate and monthly payment above. Blindly following the advice of the family member above, ( who later admitted they didn't know what they were doing either ), I was bamboozled. I've tried over ( 2 ) six month periods to refinance this car with my correct information and I've had no luck. It's like NO ONE wants to deal with this car. And now knowing that the terms of this deal are horrific, I want out. My credit has been hit REALLY hard and I just want to be made even.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I had a working credit card with XXXX XXXX XXXX XXXX A couple months ago, out of the blue, I got a letter from XXXX XXXX I couldn't decipher the intent?. I called the XXXX customer service XXXX XXXX at XXXX no one knew a thing. I called again weeks later, just to make sure. Credit rating is everything. Fast forward, about XXXX weeks ago, I received a credit card in the mail- evidently from XXXX Bank XXXX I discarded it, I don't take credit cards unsolicited- and who would in XXXX?. I just happen to have XXXX for their towing, etc, and placed a call to their XXXX, PA office. I explained the situation and the woman on the phone was happy to tell me XXXX split from BOA. After a pause, I told her no one contacted me and simply said, " Do you want our new XXXX. Cd. because of ... ... ...? '' I immediately called the number on my XXXXBOA credit card- lucky to get through- it was a new call center- **not recognizing any of my credentials! '' I had a balance and paid it. I tried to explain the situation and close the account.I was told no one can close accounts?, after being on hold another 20 mins..I called back several times from XX/XX/XXXX thru XX/XX/XXXX, lucky to get thru today- only to be put on hold again?? What is going in this country? I have excellent credit, know I have a credit card that is useless- BOA doesn't recognize my credentials either!! Unacceptable!

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 2022-10-23 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: IL

Complaint narrative:
i dont recall appying fot credit on XX/XX/1922 with XXXX  so please remove them from credit report thanks

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 2022-10-23 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 recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. in addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

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 2022-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: VA

Complaint narrative:
XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX I sent this amount of money to a scam artist named XXXX XXXX. He banks with US Bank. My bank, XXXX XXXX, was unable to recover the funds because US Bank sided with their customer, XXXX XXXX, who is a XXXX. XXXX XXXX provided falsified documents, pictures, and receipts in order to get this money from me that was supposed to go towards a real estate fix and flip project. His business name is " XXXX XXXX XXXX XXXX ''. All checks and wire transfers were made directly to XXXX XXXX. 

This is his XXXX  : XXXX XXXX XXXXXXXX He recently had his accreditation revoked thanks to the complaints of multiple people he scammed.

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