vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-14 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. 
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXXXXXX Original creditor : XXXX XXXX XXXX amount for {$520.00} XXXX XXXXXXXX Original creditor : XXXX XXXX XXXXamount for {$75.00} XXXX XXXX XXXX- the amount of {$50.00} XXXX XXXX XXXX.- the amount of {$1800.00} 15 U.S.C 1681 section 602 A. states have the right to privacy 15 U.S.C 1681c. ( a ) ( 5 ) Section no consumer reporting agency make any consumer report containing any of the following items of information any other adverse item records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any 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 2022-11-14 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: PA

Complaint narrative:
U XXXX code XXXX act XXXX XXXX XXXX account was placed with a collection agency but XXXX XXXX still appears on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: PA

Complaint narrative:
U S code 15 act XXXX XXXX XXXX account was placed with a collection agency but XXXX XXXX still appears on 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 2022-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Im submitting a complaint to you today to inform you that I was the victim of identity theft. I researched how to remove the fraudulent accounts from my report and found that I needed to visit the Federal Trade Commission, or https : //www.ftc.gov, to file a report. Credit reporting agencies are required by FCRA Section 605b to remove or block any accounts listed on an ID theft report. Please see the attachments for assistance in blocking the incorrect information that is being posted to my report.

These are the following lists of accounts that do not belong to me or were opened without my permission : XXXX XXXX Account # : XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX Account # : XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX Account XXXX : XXXX Balance Owed : {$790.00} Date Opened : XX/XX/XXXX XXXX  Account # : XXXX Balance Owed : {$590.00} Date Opened : XX/XX/XXXX XXXX Account # : XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX Account # : XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Account # : XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Account # : XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX Account # : XXXX Balance Owed : {$450.00} Date Opened : XX/XX/XXXX XXXX  XXXX Account # : XXXX Balance Owed : {$520.00} Date Opened : XX/XX/XXXX XXXX XXXX  Account # : XXXX Balance Owed : {$2700.00} Date Opened : XX/XX/XXXX XXXX XXXX Account # : XXXX Balance Owed : {$12000.00} Date Opened : XX/XX/XXXX According to FCRA Section 605B ( a ), the credit reporting agencies shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.

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 2022-11-14 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 2022-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 2022-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My XXXX and I are both trying to temporarily unfreeze ( thaw ) our Experian credit report. We are unable to contact Experian by phone ( their customer service line is fully automated, it's not possible to reach a person ; and we can not set up an account to request this action online - apparently because our credit report is frozen ). On XX/XX/XXXX, I mailed paper forms to Experian requesting the thaw, and I checked the option for them to promptly notify me by email of their action, but have received no reply. 

I need to complete action on an application for a credit card by the end of this XXXX, but Experian is the sole and XXXX road block. The other XXXX Credit report companies- XXXX and XXXX- both were able to promptly unfreeze my report on the same day that I requested. 

Can CFPB take steps to require Experian to acknowledge my request and respond promptly? 
Thank you 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 2022-11-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Placement Services, LLC
State: IL

Complaint narrative:
Professional Placement Services is reporting at least XXXX separate debts ( {$65.00} and {$61.00} ) on my credit report that I am disputing. 

I called and they said I have XXXX accounts in their office, with these 'client reference numbers ' XXXX XXXX XXXX The company may note that all of these debts are disputed and that I'm requesting that they cease all collection efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
XXXX XXXX info in XXXX. XXXX  stolen XX/XX/22 account started same day on direct deposit checking account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: KY

Complaint narrative:
I have been calling Bridgecrest multiple times in order to make a payment. A few weeks ago, my online account access is disabled and my account is in collections. I have been attempting to make a payment but when I call, I am told that I can't make a payment until someone in the Agency/XXXX  department calls me back. I have never received that call back and I need to make a payment or my account will be further in debt. It seems like this is being done purposefully so that my account will remain past due. All I want to do is make a payment on my car without risk of it being repossessed and going through a 6 month long process again. I finally got resolution to a prior issue and now I am encountering this. I need help immediately. No one is helping me out. I was told that a credit was applied to my account for my last issue and I do not believe that was done. If so, I need to see proof of it in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: CT

Complaint narrative:
True Accord claims I owe {$150.00} to XXXX  for a returned item, a purchase from XXXX, item returned via XXXX several months ago.. The item was purchased via XXXX XXXX, returned to merchant via XXXX, tracking ID not available.. Prior complaints were filed against XXXX  for attempting to collect on debt when item was returned and tracking ID provided to them..Regardless of return, XXXX still attempts to collect on debt after proving item returned by providing tracking info..If True Accord requires tracking info, please refer back to XXXX  whom it was provided to via CFPB complaints filed prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are accounts in my report that should not be reported. They are not familiar with me and should be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-14 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: TX

Complaint narrative:
There are accounts in my report that should not be reported. They are not familiar with me and should be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-14 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: EOS Holdings, Inc.
State: TX

Complaint narrative:
EOS CCA is inaccurately reporting me to collections. I satisfied this account back in XXXX and this collection agency actually deleted this account in XXXX due to me fulfilling my obligations. Please see the attached document showing proof of my final payments to EOS in XXXX. This account suddenly started to report on my credit again as of XX/XX/XXXX. This is a complete false reporting and EOS took advantage of me and my finances. Please delete this account right away!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: LEXISNEXIS
State: IL

Complaint narrative:
I have requested for the last week for my consumer disclosure report. I went through the portal and tried to call. I know there is some incorrect information on the report because of selling of my information. I get the response " An error occurred during execution ; please try again later. 

LexisNexis Homepage LexisNexis Consumer Disclosure Your Privacy Rights FACT Act Security Freeze Your FCRA Rights Help An error occurred An error occurred during execution ; please try again later. 
XXXX Copyright 2022 LexisNexis Risk Solutions. About Us | Terms & Conditions | Privacy Policy | Site Map As a consumer and a victim of my debit card being compromised ( identity theft ) I am writing this for full investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: TX

Complaint narrative:
XX/XX/XXXXreservation helpdesk agreed to refund missing reservation with XXXX XXXX in XXXX VA on XX/XX/XXXX. 
The refund was approved and processed by XXXX on XX/XX/XXXX for {$72.00}. ( Refund/reservation # XXXX ) On XX/XX/XXXX contacted XXXX to check on the refund status.XX/XX/XXXXsend an email confirming refund was processed on XX/XX/XXXX and I needed to check with Fidelity Investments Credit Card for assistance. 
on XX/XX/XXXX, Called Fidelity Cardmember Services to open an dispute for the XXXX missing refund. 
Called for status on on the following dates ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and provided detailed account of the refund. 
On XX/XX/XXXX, customer rep with Fidelity Cardmember Service was able to locate the missing refund and stated that he didn't know why refund was not posted to my account on XX/XX/XXXX. He stated someone will follow up the following workday. 
XX/XX/XXXX, Different rep stated other XXXX was not telling the truth and she didn't see a refund. I ask for a name of the XX/XX/XXXX rep I spoke to and she was unwilling to give the name. I asked for someone else to review the refud and she refused. 
XX/XX/XXXX, contacted Fidelity main customer service to open a complaint case against the creditcard services. 
XX/XX/XXXX, Fidelity closed the case without resolving the refund

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 2022-11-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
There is Information being reported on my consumer report that doesn't belong to me, I have disputed the items and I would like them removed immediately. I do not give consent or permission for Equifax to furnish this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: MI

Complaint narrative:
I closed on my home in XX/XX/XXXX. My tax bill for XXXX was {$2300.00} and was paid at closing in my closing costs as an escrow account was set up. My XXXX tax bill went up to {$3300.00}. I only have summer taxes, no winter taxes as shown on the tax bill that was provided to UWM prior to closing. They have increased my mortgage payment from {$1100.00} to {$1700.00} and are stating that my tax amount is {$5700.00} and that the increase is due to the tax increase plus the shortgage. That is completely incorrect. I have spoken to 3 separate representatives and no one will fix it. I can not afford a {$600.00} increase in my payment because of their XXXX up. My escrow account should only be short by about {$1000.00}, and the increase in my total payment should only have been {$84.00}. I am a former employee of United Wholesale Mortgage and apparently this is a known issue that they refuse to address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: AAA Auto Title Loans, LLC
State: AZ

Complaint narrative:
On XX/XX/2022 I received a phone call from Cash 1 title loans ( XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX ) asking if I applied for a loan. I told them no, and a lady named XXXX told me that someone obtained my drivers license and car registration from hacking the DMV 's website. This person used my license and registration to apply for a title loan. I asked how we can stop it and she said that no loan was approved, but they put a lien on my vehicle. I've filed a police report, a report with the FTC website, opened a case with Arizona DOT Office of the Inspector General, and contacted Life Lock. I have yet to be assigned a detective with the XXXX, and they keep telling me to be patient as they are busy. It's been over a month. I filled out all the documentation for identity theft, and have received no response. I've been in touch with Cash 1 multiple times to ask them to remove the lien from my vehicle and I keep getting the run around with them. Everytime I call, I get " It will be released in 2 hours '', " it will be released in 2 days '', " we're having program/system problems ''. I contacted Cash 1 again for the last time on XX/XX/XXXX, and XXXX told me the same thing " I put in an emergency request to remove the lien, and it will be cleared in XXXX hours ''. XXXX has refused to provide any written documentation that this lien has been removed from my vehicle. I don't have much faith in what she says because I've heard it multiple times from her. I told her that this is the XXXX time she's told me it will be removed, and all times it hasn't been taken care of and she denied ever saying that the lien will be removed. They did not physically see my vehicle to put a lien on it, which according to the Office of the Inspector General with Arizona Dept of Transportation, they can not put a lien on a vehicle without it being right in front of them. This person who stole my license also has been trying to apply for a credit card with XXXX XXXX, which I put a stop to, but now I'm waiting for it to be removed from my credit report. I pulled my credit report and have noticed several soft inquiries with my information for title loans and credit cards. I am looking to trade my vehicle in, but I can't because they are the Lien Holder on my vehicle. I own the car, have the title for it, but their name is on it as the lein holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: Exeter Finance, LLC.
State: GA

Complaint narrative:
XXXX Accordance with the fair credit reporting act XXXX XXXX XXXX  XXXX Exeter Fianc has failed my rights XXXX XXXX XXXXXXXX XXXX A states I have the right to privacy XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : it also states XXXX consumer reporting agency can not furnish a account without my my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I recently checked my credit report and discovered multiple billing errors. Billing mistakes under US 15. Code 1666 ( b ) is the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or credit extended to the debtor. a computation error or other accounting error made by the creditor on a statement There should be no late payment on these accounts because, as far as I can tell, the creditor did not give me a statement 21 days beforehand. Because this is obviously a billing error, I demand to see specific documentation from the creditor 's bank account proving that I failed to pay and was considered past due. The disputed accounts are listed below. 

XXXX XXXX Account # : XXXX Balance Owed : {$240.00} Date Opened : XX/XX/2021 XXXX XXXX Account # : XXXX Balance Owed : {$23000.00} Date Opened : XX/XX/2021

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 2022-11-14 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: FL

Complaint narrative:
I am a natural person, i am a living human being, i have rights under 15 USC 1681. Equifax is govern by 15 USC 1681, and they violated my rights numerous of time. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
I am XXXX XXXX XXXX. I have been calling American Express for months trying to tell them that I can not afford the payment they are asking for. I XXXX XXXX XXXX XXXX XXXX XXXX XXXX over the summer and have extensive medical bills. I have no other assets or income other than my social security payment. I have held this card for many, many years and they have not verified my income in over 10 years. They afforded me credit in the past few years which put me in a bind. I can not pay the bill and I called to try to get a lower interest rate and payment through their financial relief program, which advertises lower interest with lower monthly payments. Both options they provided to me do not lower monthly payments so I can not sign up for one. They won't help me get to a payment I can afford and said they will report to the credit bureaus and they will ruin my reputation. I just want to pay the bill monthly with a lower than {$100.00} payment and I'm not expecting the card to stay active, that's ok. What do I do?

Company response to consumer: Closed with explanation