vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-24 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I have made sure to make my payments on time for CREDIT ACCEPTANCE with the account number XXXX. This account should not have a late payment status in my record. Make sure to provide me any documentation about the late payments being done on the months indicated in the 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 2022-02-24 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
The list of information was inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, Equifax Bureau did not take any action to remove the incorrect information listed below : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frost-Arnett Company
State: TX

Complaint narrative:
I was a victim of identity theft and I had provided all the necessary documentation to FROST ARNETT they can't even provide me with a valid account number. I had asked on several occasions to DELETE the following account from my credit report since it is causing me financial distress and is an Inaccurate Item reporting on my credit report. 
DELETE - FROST ARNETT - No Account Number Provided DELETE - XXXX XXXX XXXX DELETE - XXXX, XXXX, I DELETE - XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Pursuant to 15 USC 1681 ( a ) I did not authorize consent to nor benefit from the listed account. Please Delete immediately and Pay the invoice for all Federally Protected Consumer Right Violations!!!! I sent an Affidavit two months ago, I have not received a response back.

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 2022-02-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I requested Experian send a VALID copy of a permissible permission that could be justified to access my credit report on XX/XX/XXXX. The latest complaint was # XXXX, XX/XX/XXXX, just 8 days ago. However, Experian refuses to send because we both know it doesnt exist and Experian will not own up. Experian continues and repeatedly replies This complaint appears to be a duplicate of a complaint we've already received. We've included a reference to this complaint on that record. Experian dodges liability.

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 2022-02-24 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: MI

Complaint narrative:
I sent letters to the Equifax Credit Bureau. The date of the last letter was on XX/XX/XXXX And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Bankruptcy : Dismissed XXXX Reference number : XXXX Amount : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This letter I HAVE ATTACHED is a formal complaint that this credit bureau has ignored my previous TWO request and failed to maintain reasonable procedures in operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. I get no response from the credit bureau when I submit disputes.

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 2022-02-24 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: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Pursuant to 15 USC 1681 ( a ) I did not authorize consent to nor benefit from the listed account. Please Delete immediately and Pay the invoice for all Federally Protected Consumer Right Violations!!!! I sent an Affidavit two months ago, I have not received a response back.

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 2022-02-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I have tried to renew my XXXX payment. It was XXXX XXXX monthly. Now its {$650.00}. 

My amount I owed went from {$100000.00} to {$110000.00} in 2 months. I am frustrated and feel like I was shoved into forbearance instead of a sustainable XXXX payment. My original loan amount was {$66000.00}. I regret ever taking out loans and have been treated horribly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: OH

Complaint narrative:
On XX/XX/2022 I sent Transunion letters about the inaccurate information being reported on my consumer report. I requested proof of all verifiable information with the time the FCRA allows. I did not receive any proof of alleged information. In accordance with the FCRA my privacy and rights have been violated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 15 U.S.C. 1681 section 602A states I have a right privacy 15 U.S.C. 1681 SECTION 604 A SECTION 2 states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681 1a 2 ( A ) ( I ) PERMISSABLE USE

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 2022-02-24 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: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/2022 I purchased a 2022 XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX, Va. At the time of my purchase I already had financing to purchase and without my consent the Sales Manager requested financing, resulting in a hard pull to my XXXX score, with seven institutions that I did not authorize to do so. This was after the conversation between myself and the sales person advising of the financing I already obtained for the purchase of the car. Regrettably, it wasnt until the next morning that I was made aware by XXXX and the other credit reporting systems I use of the inquiries made by XXXX XXXX, XXXX, XXXX, BB & T XXXX XXXX, XXXX Bank, XXXX XXXX and XXXX XXXX XXXX XXXX making hard pulls to my credit the previous day. I followed up with XXXX XXXX and they provided me with a letter stating that the inquiries we not accurate and should be removed from my report due to their error. I submitted a request to XXXX through the online website to dispute and less than 24 hours they stated it was accurate and would leave them on my credit report for 2 years. No proper investigation was done nor was I asked or able to provide the documentation to support my request to have those inquiries removed. Today, XX/XX/2022 I called into XXXX to resolve the issue and instead of being assisted I was transferred back to the automated message at the start of the call. Prior to me being transferred back, the representative advised Id speak to a supervisor and that XXXX of the companies had retracted their pull. However their report states otherwise. I requested documentation to show proof of those inquiries being deleted and the representative refused to comply.

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 2022-02-24 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: BRite Financial Services, Inc.
State: MI

Complaint narrative:
This account with XXXX XXXX with account number XXXX, has been paid, and thus, it should be removed from my credit report. There is no longer any balance on it and it has been closed. I have reached out to the XXXX, XXXX and XXXX Bureaus and to the furnisher but no response was ever made by both of them. They have neglected my request of giving me a response or deleting this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
My wife received a voice mail from " XXXX '' at " XXXX and XXXX '' that said she was reaching out on a notice of intent to advise me of a pending legal matter that her number was listed in the file to relay information to. She gave a toll free number and a reference number and said to call them or the office will " move forward without his participation or acknowledgement. '' So I called the number and spoke to a lady there and she claimed a lender ( Chase ) was going to sue me to collect some credit card debt ( I eventually got the dates of XXXX for the account period ). I was like that, if it was even legit, it was well past the statute of limitations She mentioned something about a " tolling clause '' allowed them to pursue this beyond the statute. 

She claimed a packet was sent to me in XXXX and she gave an address I hadn't lived at in a year now ( it is my mother-in-law 's address ). I spoke to her and they never got anything for me. 

I then asked to remail this information to me but she said their client only allows them to mail one time but she could email me this information. I gave my email address. She offered me a 24 hour " hold '' on legal action. I said ok.

Upon researching online, I found out that this claim she couldn't mail again but could email me is a common scam tactic used and now believe I'm being scammed. 

I did receive an email and am 100 % certain this is a scam. It claims I owe over {$8000.00} which is absurd considering never in my life did I ever have a credit card with a limit greater than {$2000.00}. 

I have this entire call recorded as well ( all of my calls are recorded with an app I have installed on my phone by default ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
I have a title loan with the OneMain Financial branch located in XXXX Texas. The loan has typically been paid through ACH debit initiated by XXXX. On XX/XX/2022, while reviewing my bank account, I discovered that XXXX had taken a second ACH Debit from my account in the amount of {$550.00}. I immediately reached out to XXXX XXXX where my account is located. XXXX XXXX was able to see the fraudulent ACH Debit and noticed that the debit was made in the name of XXXX XXXX XXXX whom I do not know. The only way to stop XXXX from making further fraudulent debits was to close my checking account of more than 30 years and open a new one. This has led to countless hours setting up the connections with all of the other vendors I use. I reached out to XXXX on Saturday, XX/XX/2022 but the support line was unwilling to help as the branch was closed. I finally was able to connect to a representative at the branch named XXXX XXXX in order to get them to reverse the fraudulent ACH Debit. 
He has refused to help reverse the ACH debit unless I show them a screenshot of my bank account with all of my information on it and the current balance. This has been now been going on for several days and XXXX XXXX refuses to give me contact information for anyone other than himself. I am stuck and they still have my stolen {$550.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: Experian Information Solutions Inc.
State: NE

Complaint narrative:
Called Experian on XX/XX/22 to dispute unrecognized hard inquires on my account. The representative was very deceitful making up random laws to justify unknown inquiries and when asked that I be provided with my credit files and sources that verify that the inquires were infact accurate and valid the representative hung up on me.

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 2022-02-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This letter I HAVE ATTACHED is a formal complaint that this credit bureau has ignored my previous TWO request and failed to maintain reasonable procedures in operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. I get no response from the credit bureau when I submit disputes.

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 2022-02-24 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: LA

Complaint narrative:
I have contact the company as well as filed a complaint. This company was reporting incorrect information and did not conduct a proper investigation. I contacted XXXX XXXX about the matter and theyve confirmed its not being reported correctly. I am requesting the account is deleted. This company has reported a payment history on a closed 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 non-monetary relief
Consumer complaint received 2022-02-24 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: LA

Complaint narrative:
I have contact the company as well as filed a complaint. This company was reporting incorrect information and did not conduct a proper investigation. I contacted XXXX XXXX about the matter and theyve confirmed its not being reported correctly. I am requesting the account is deleted. This company has reported a payment history on a closed 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 2022-02-24 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: AZ

Complaint narrative:
The list of information and inquiries was inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, TRANSUNION Bureau did not take any action to remove the incorrect information and inquiries listed below : Inquiry : XXXX  Date of inquiry XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employer : 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 2022-02-24 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: TOWNEBANK
State: VA

Complaint narrative:
On XX/XX/2022 I purchased a XXXX XXXX XXXXXXXX XXXX from XXXX XXXX XXXX in XXXX, XXXX At the time of my purchase I already had financing to purchase and without my consent the Sales Manager requested financing, resulting in a hard pull to my XXXX score, with XXXX institutions that I did not authorize to do so. This was after the conversation between myself and the sales person advising of the financing I already obtained for the purchase of the car. Regrettably, it wasnt until the next morning that I was made aware by XXXX and the other credit reporting systems I use of the inquiries made by XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, Towne Bank, XXXX XXXX and XXXX XXXX XXXX XXXX making hard pulls to my credit the previous day. I followed up with XXXX XXXX and they provided me with a letter stating that the inquiries we not accurate and should be removed from my report due to their error. I submitted a request to XXXX through the online website to dispute and less than 24 hours they stated it was accurate and would leave them on my credit report for 2 years. No proper investigation was done nor was I asked or able to provide the documentation to support my request to have those inquiries removed. Today, XX/XX/2022 I called into XXXX to resolve the issue and instead of being assisted I was transferred back to the automated message at the start of the call. Prior to me being transferred back, the representative advised Id speak to a supervisor and that 3 of the companies had retracted their pull. However their report states otherwise. I requested documentation to show proof of those inquiries being deleted and the representative refused to comply.

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