vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I XXXX XXXX a consumer in fact a natural person on XX/XX/2021 noticed on my consumer report from Transunion several inaccurate and unfair practices. Transunion breached my right to privacy by furnishing a consumer report that I never gave them written permission to furnish pursuant to 15usc1681 ( 2 ). It has been damaging my reputation badly and my public confidence. This false report has not been equitable to me at all. Transunion is in violation of 15 usc 1681n and 15 usc 1681o for willful noncompliance and negligent noncompliance for failing to comply with federal law. I authorize the federal trade commission to enforce compliance with the requirements of the subchapter under the federal trade commission act. Pursuant to 15usc1681s ( 2 ) I demand compensation for the harm and injury that Transunion has brought upon me the consumer for knowingly violating and practicing the behavior.

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 2022-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICAN HONDA FINANCE CORP
State: AZ

Complaint narrative:
We paid off the loan through Honda Finance online through the Honda finance website using money in our XXXX XXXX XXXXXXXX checking account on XX/XX/XXXX for approximately {$12000.00}. We plan to title the car over to my son. The funds cleared my checking account by XX/XX/XXXX and the loan on the Honda Finance account shows a zero balance. on XX/XX/XXXX I checked with the Arizona XXXX and the lean we still showing on the title. I called XXXX XXXX and they confirmed a zero balance but refused to send a lean release before 10 days after the payoff unless I sent documentation of all of the transactions in my checking account to them. I do not believe I should be require to disclose all of the data in by checking account statement for the loan payoff and other transactions to obtain a lean release on my car 7 days after it was paid off and after they received the money an my loan balance is zero. I sent a copy of my checking account activity statement showing just the transaction for payoff but they deemed that not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 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: OH

Complaint narrative:
I am not an attorney nor am I a third party. I am filing on my own behalf because it is my legal right to do so. I have a 30 and 60 Late pay the is showing on my credit report from XXXX XXXX XXXX USA N XXXX. My income was affected due to the Pandemic Shutdown. I am seeking some accommodations under the CARES ACT FCRA section 623, 15 U.S.C. 1681s-2 ; 12 CFR part 1022, XXXX XXXX I am trying to protect the integrity of my credit profile as much as I can. I am current on all the accounts I was told that I have to write and request the late pays to 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 2022-01-14 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: MI

Complaint narrative:
I had sent a ftc report dealing with fraudulent accounts on XX/XX/XXXX ( XXXX XXXX XXXX XXXXXXXX ) and ( XXXX XXXX ) and one of the XXXX XXXX was deleted but not the other and they have the same account numbers just removed on XX/XX/XXXX. both XXXX XXXX and XXXX XXXX are reporting as delinquent accounts, those being fraudulent accounts that cant be possible damaging my report by reporting false info. According to fcra a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft.

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 2022-01-15 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: CA

Complaint narrative:
I made a payment through the XXXX XXXX  app and also set up auto pay. The auto pay never processed. I also have alerts set up on my account so that if there is a payment missed or late, I would be notified, Not only did the autopay not process but I also did not receive any alerts. I was only notified by XXXX XXXX that a payment was missed. I called XXXX XXXXXXXX to report the system error and they transferred me around for 3 hours. They admitted that there could have been a system issue with the app but continued to insist that there was nothing they could do about it. This is very unfair and wrong. I am doing my best to pay this debt off. This is a closed account. I should not be going through this. Can you please help.

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 2022-01-15 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: NY

Complaint narrative:
These accounts listed were opened without my knowledge. My identity was stolen to open these accounts. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-01-15 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:
These accounts listed were opened without my knowledge. My identity was stolen to open these accounts. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: GA

Complaint narrative:
Since XXXX of 2019 this account was place on my credit report I called the company to try to get this remove but couldn't talk to anyone due to identity theft so now the account is a charge off is was written off but it state I still owe XXXX dollars I dispute it with XXXX results came back be accurate that is was my account. I do not getting any bills or emails from them stating that this is my bill this has put a damper on my credit report as a delinquent account and can not get approve for a loan even when my score was a XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CarMax, Inc.
State: IN

Complaint narrative:
I obtained a loan with Carmax Finance and paid it off in XX/XX/2021, upon paying it off, it still shows on my credit report with a balance. Since, I refinanced my car loan with a different company it appears that I now have 2 car loans active. I called Carmax and was notified that they had an update to the system which they were not able to confirm if it would be accurately reported to credit so decided that no reporting would be better. I have had to file a dispute to get this corrected and then have to send a letter once corrected to have the dispute removed. It is my understanding that companies are required to report the status of a loan, which in this case they did not and are requiring that consumers call in to have this corrected and this is a known issue and is of no fault of the consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have been getting multiple calls from multiple different numbers even after blocking some. 
On XX/XX/22 while I was at work I got another call and decided to answer it thinking it was a rental property from one of the properties I wanted to view. Instead it was someone from midland credit management I was planning on telling them to stop calling and hanging up, but they mentioned that I would be facing a lawsuit if I had not paid my debt to a XXXX XXXX credit card I had awhile ago. I told the guy I would start paying my credit cards as soon as I get back on my feet but told me they needed some sort of payment agreement so I can get the lawsuit off of me for. So I had agreed to pay {$50.00} every two weeks he sent me an email stating it had me consent to it while he was on the phone and set up my account. I mentioned I would make the payment when I got home cause I was at work but he insisted that I needed to make a payment so the creditors can see I will be making payments and not file a lawsuit on me. So I made a payment of {$50.00} while he was still on the phone so I can get them to back off from me for a bit. Since I didn't choose recurring payments he said the agreement would not be proceeded since and I'll still be hearing from soemone. To change that I had to allow him by consenting through a voice operation touch pad so he can make the change to recurring payments, pretty much meaning I had to do a electronic signature over the phone by pressing any key on my dial pad. Finally after all that he was done I believed I was actully facing a lawsuit come to find out from my fianc that they aren't allowed to threaten someone with something like that especially him being so insistent on getting the account and payment done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is the only credit reporting agency who continually lowers my XXXX score when a credit card is paid off. Recently I paid off my credit card and Experian lowered my credit score by 17 points while there was no change with XXXX or XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
It took 4 years to get an accurate total of the loan when I did I had been reported as delinquent even though I had been paying the loan. It reported as default when it was differed. I never stopped paying. When I did pay it off in 2016 it still to this day shows negatively on my credit report I was told it would drop off It never did. I can't have a good credit score or get any credit. Any time I dispute it it changes the date and looks like it's an defaulted loan I have had for 12 years. I have asked for help and have received none. I can't buy a house or car without high I ntrest rates.im am struggling..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
XXXX  XXXX XXXX Account # : XXXX Balance reported {$23000.00} I sent this creditor a certified, debt validation letter on XX/XX/2021 written thoroughly specially asking for proof of documentation of what I owed. I received a letter back from them dated XXXX stating that they were unable to substantiate the allegations of my dispute and provided me with zero documentation. The original lender is Nissan Motor Acceptance and when I contacted them via phone to ask why I had a collection charge off if my Gap insurance had paid this collection off they said, " I can see it in our systems that a payment was made but because the collection is now with XXXX, we can't provide you with any proof because your account no longer exists with Nissan and so you must contact XXXX directly. " Prior to mailing XXXX a letter on XX/XX/2021, I called XXXX directly and asked for documentation supporting the balance they were attempting to collect on and was told by their representative and Manager that they didn't have any documentation and that I would need to contact Nissan directly. I have since sent out a dispute letter to all 3 credit bureaus explaining that not only did this account need to be deleted for not being valid but also needed to be deleted because there were MUTLIPLE inaccurate information being reported from all 3 credit bureaus which are grounds to delete account from my credit report regardless of validity due to inaccurate reporting. I have already started a separate dispute dated XXXX with Nissan  and all 3 credit bureaus to also delete the charged off original lender Nissan account # XXXX off my credit report for inaccurate reporting and XXXX has since been the only credit bureau to delete this account. I am mailing a 2nd dispute on XXXX to attempt to have it deleted from XXXX and XXXX too. 

If the original creditor is beginning to delete the original debt that was wrongfully added to my credit, how can XXXX be allowed to report or attempt to collect on such a large and inaccurate amount? It's hurting my credit and needs to be deleted immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
Wakefield & Associates are falsely reporting to all three credit bureaus ( XXXX, XXXX, and XXXX ) collections in the amounts of {$540.00} and {$830.00} as debt that belongs to me from XXXX XXXX. I have never done business with this company and they have failed to issue documents bearing my signature. Falsely reporting this debt that does not belong to me is against the law and I will be taking further legal action against this company if they fail to stop reporting false debt on my credit reports and the credit bureaus ( XXXX, XXXX, and XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
The customer service agent on XX/XX/XXXX put down the wrong date for the auto pay which because I am on XXXX XXXX XXXX doesnt mean I will always have the funday by the 73 date on the 10 to ensure I have the fund paid by the date the 10th I wanted to set up the payment by the 1 or 2. The lady lied and said that it can be on the first but that that case. I wouldnt of signed up for it otherwise. Due to expensive medications I am on funds will not always be in my account. The calls can be recorded. This says caused 2 late payments and closed both of my credit cards. They are claiming this is fraud when it was their fault. I told them I am on a limited income.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2022 I received a call from who I believed to be XXXX XXXX XXXX. There was an automated system telling me that my account was scheduled for disconnection. Since I know that my account is delinquent I was panicked. I pressed the button they told me to get a representative and the guy walked me through how to send {$410.00} to who I thought was XXXX using XXXX, he then said the amount was not enough to cover my bill so he asked for me to send the full amount, I then send {$490.00} and he said he would reverse the initial payment since it was incorrect. On XX/XX/XXXX I realized after not receiving any refund that I'd been scammed. I called XXXX to confirm. I then called Chase Bank to file a fraud claim and they would not file a claim- they said there was nothing they could do. They are offering a service on their platform, but the consumer has no recourse when something like this happens, I contacted XXXX and they sent me back to Chase. This is basically wire fraud and they take deposits from me for over 20 years and this is the first time I've had something like this happen and they have no help for me. The money was for my daughters tuition and now I am just alone with no help. This is a horrible practice, someone should be able to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
I can no longer use my paypal account because my account is permanently limited so I can't get my money out because it's still XXXX but I've done everything but I don't know how it can be resolved in this way to help me my paypal account is fine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 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: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
I applied and was approved for a credit card with home shopping which uses synchrony bank. I put in a dispute for charges on product I did not receive. They then reported me as late. Ive called them over and over to get this taken care of already. But? Every time I called I was given the same run around. I finally paid the bill to avoid running into a credit reporting issue. I had a statement from them showing I paid twice but they wanted me to prove it. So their statement showed my payments they wanted documentation showing HOW I paid them. They put late payment on my report. Then they showed my account closed several times. Their actions have taken my scores down from the XXXX to the XXXX. I ordered credit reports from all three agencys trying to get to the bottom of it. Im a former XXXX XXXX XXXX  and always tracking my scores. Were trying to buy a new house and now my rates are a mess. Someone needs to hold this bank accountable. Can you help me? Im out of options. This is absolutely unfair business practices.

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 2022-01-15 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: CA

Complaint narrative:
My credit report went down recently due to an unknown XXXX account being listed on my credit report as an authorized user. When trying to contact XXXX they won't give me any account information or take me off even when I try to verify my identity. I tried disputing it, but It was not resolved in my favor and the account is still on my report lowering my score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants' Credit Guide Company
State: TX

Complaint narrative:
I sent a letter to the company multiple times regarding the dept. The last response I got from them they sent me back a copy of the XXXXl treatment I got that day. I read that it was illegal and that they are in violation for sending information about the treatment I got. WHEN I sent them a letter saying that they were in violation. They never responded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 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: NJ

Complaint narrative:
XXXX and XXXX delete a non-accurate XXXX bank account on my credit report... Meanwhile, TransUnion is refusing to delete this account, and they never could verify this account when the latest proper documentation ....

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