vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-10 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: GA

Complaint narrative:
XXXX XXXX XXXX has not received written permission to report information regarding transactions or experiences against my consumer report. 

Reporting late payments and alleged loan amounts constitute transactions and experiences. I did not give my written consent. 

I am disputing the reporting of these late payments and utilization by the credit reporting agencies per 15 USC 1681 ( a ) A consumer report does not contain any transactions or experiences between the consumer and the person making the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
Citibank debited my bank account XXXX - when scheduled payments was for XXXX due on XX/XX/2021. The Best Buy salesman mislead me regarding the interest. I called Citibank and they would disclose details on the method or formula for the interest. 
I only financed XXXX dollars - and Citibank is saying I owe over XXXX dollars. I've never been late, or missed a payment. I have been negatively by Covid-19 - including a job loss.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: MD

Complaint narrative:
I finance a XXXX XXXX XXXX with XXXX as the finance company. I had the vehicle for almost 2 years and never had a missed payment. My suv was recently totaled loss on XX/XX/XXXX. The insurance company of the other driver accepted liability and issued a payment to XXXX of XXXX. In the meantime as XXXX was waiting to receive payment from the Insurance Company I continued to make my payments because I did not want to ruin my credit. I called XXXX weekly to see if they received payment to avoid any issues because I would have continued to pay if has too. They had told me they received payment and to call back in a week. I was still able to check the account and when I did it showed that the check was posted and that I had a balance due of XXXX. I called and they said it was a mistake and to disregard they will fix it. 
The insurance company issued XXXX a check on XX/XX/XXXX paying more than what I owed on the suv leaving XXXX  to issue me a payment from the account having an overpayment of {$140.00}. 
On XXXX I received a credit alert from XXXX that I have a paid/closed account with a 30 day late payment. This hurt my credit very bad. On XXXX is when I received my alerts from transunion and XXXX showing the same thing. I called XXXX to speak with someone who told me that they will fix the error and it can take up to 90 days. I am not understanding why I have to wait almost three months for a mistake made on their behalf. I am in the process of buying a house and now I have this huge problem that I didnt create. My scores drop 40-51 points from each bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: MD

Complaint narrative:
I finance a XXXX XXXX XXXX with XXXX as the finance company. I had the vehicle for almost 2 years and never had a missed payment. My suv was recently totaled loss on XX/XX/XXXX. The insurance company of the other driver accepted liability and issued a payment to XXXX of XXXX. In the meantime as XXXX was waiting to receive payment from the Insurance Company I continued to make my payments because I did not want to ruin my credit. I called XXXX weekly to see if they received payment to avoid any issues because I would have continued to pay if has too. They had told me they received payment and to call back in a week. I was still able to check the account and when I did it showed that the check was posted and that I had a balance due of XXXX. I called and they said it was a mistake and to disregard they will fix it. 
The insurance company issued XXXX a check on XX/XX/XXXX paying more than what I owed on the suv leaving XXXX  to issue me a payment from the account having an overpayment of {$140.00}. 
On XXXX I received a credit alert from XXXX  that I have a paid/closed account with a 30 day late payment. This hurt my credit very bad. On XXXX is when I received my alerts from XXXX and equifax showing the same thing. I called XXXX to speak with someone who told me that they will fix the error and it can take up to 90 days. I am not understanding why I have to wait almost three months for a mistake made on their behalf. I am in the process of buying a house and now I have this huge problem that I didnt create. My scores drop 40-51 points from each bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: MD

Complaint narrative:
I finance a XXXX XXXX XXXX with XXXX as the finance company. I had the vehicle for almost 2 years and never had a missed payment. My suv was recently totaled loss on XX/XX/XXXX. The insurance company of the other driver accepted liability and issued a payment to XXXX of XXXX. In the meantime as XXXX was waiting to receive payment from the Insurance Company I continued to make my payments because I did not want to ruin my credit. I called XXXX weekly to see if they received payment to avoid any issues because I would have continued to pay if has too. They had told me they received payment and to call back in a week. I was still able to check the account and when I did it showed that the check was posted and that I had a balance due of XXXX. I called and they said it was a mistake and to disregard they will fix it. 
The insurance company issued XXXX a check on XX/XX/XXXX paying more than what I owed on the suv leaving XXXX  to issue me a payment from the account having an overpayment of {$140.00}. 
On XXXX I received a credit alert from experian that I have a paid/closed account with a 30 day late payment. This hurt my credit very bad. On XXXX is when I received my alerts from XXXX and XXXX showing the same thing. I called XXXX to speak with someone who told me that they will fix the error and it can take up to 90 days. I am not understanding why I have to wait almost three months for a mistake made on their behalf. I am in the process of buying a house and now I have this huge problem that I didnt create. My scores drop 40-51 points from each bureau.

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 2021-11-10 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: GA

Complaint narrative:
XXXX XXXX XXXX has not received written permission to report information regarding transactions or experiences against my consumer report. 

Reporting late payments and alleged loan amounts constitute transactions and experiences. I did not give my written consent. 

I am disputing the reporting of these late payments and utilization by the credit reporting agencies per 15 USC 1681 ( a ) A consumer report does not contain any transactions or experiences between the consumer and the person making 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 2021-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: GA

Complaint narrative:
I DID NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THEREFORE THE REPORTING OF THIS ACCOUNT IS INACCURATE AND INCORRECT. I HAVE REACH OUT THIS COMPANY SEVERAL TIMES TO NO AVAIL. THEREFORE THEY ARE IN VOLATION OF 'THE FAIR DEBT COLECTION PRACTICE ACT '.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: UT

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove XXXX  : XXXX XXXXXXXXBalance {$240.00} XXXX-Balance {$730.00} DPT EDXXXXBalance {$20000.00} XXXX  XXXXBalance {$360.00} XXXX  XXXX-Balance {$130.00} XXXXBalance {$470.00} XXXX-Balance {$0.00} XXXX  XXXX XXXXBalance {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXXBalance {$130.00} XXXX XXXX XXXXXXXXBalance {$12000.00} XXXX-Balance {$0.00} XXXX XXXX XXXXXXXXBalance {$0.00} XXXX XXXX XXXXBalance {$2400.00} XXXXBalance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: CA

Complaint narrative:
I submitted a credit dispute with Equifax on XX/XX/2021, to remove inaccurate information on my Equifax Credit Report. I provided a copy of my XXXX Credit Report that shows they removed the Bankruptcy because they were unable to verify the accuracy of the record. 

Equifax responded on XX/XX/2021 that they did not remove the item from my credit report. 

I am requesting that the inaccurate information be immediately deleted from my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
ARS has failed to provide me with any copies of any papers that show I agreed to pay what they say I owe, but I'll explain again. On XX/XX/XXXX and XX/XX/XXXX a derogatory mark was added on my credit report per XXXX XXXX from ARS account solution and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), as upon further research, this account was transferred/sold, and additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to any hospital to sell or to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is for validation of debt and HIPAA authorization. Action to be taken : If you are unable to provide a copy of my signature with the provider of service to release my medical information to you please cease any credit bureau reporting until the debt has been validated by me. Additionally, please terminate collections efforts, remove and notify all credit bureaus such as XXXX, XXXX and XXXX to delete the account immediately for inaccurate reporting and failure to validate the debt as it may be in violation of the Fair Credit Reporting Act. Please note that withholding the information you received from any medical provider is an attempt to be HIPAA violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt before filing a HIPPA complaint..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The information you provided is different from other bureaus. This account, BARCLAYS BANK DELAWARE, is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Also, please reinvestigate the whole information especially the date last active, payment status, account type, and payment history. Lets correct this immediately. The Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: Nelnet, Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. These accounts are reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Below are the list of accounts that needs to remove : DEPT OF EDUCATION/XXXX XXXX Balance : {$6200.00} Date Opened : XX/XX/XXXX ; DEPT OF EDUCATION/XXXX XXXX Balance : {$2900.00} Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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:
I submitted a credit dispute with Experian on XX/XX/2021, to remove inaccurate information on my Experian Credit Report. I provided a copy of my XXXX Credit Report that shows they removed the Bankruptcy because they were unable to verify the accuracy of the record. 

Experian responded on XX/XX/2021 that they did not remove the item from my credit report. 

I am requesting that the inaccurate information be immediately deleted from my Experian 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 2021-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: OK

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

The Credit Bureaus are reporting inaccurate information on ENHANCED RECOVERY. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Hillcrest Davidson & Associates
State: WA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureau is reporting inaccurate information on HILLCREST DAVIDSON & A ( Original creditor : XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
This is not my account dont know who this company is has to be a fraud need correction take off of credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: UT

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete XXXX  : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon analyzing my updates, fallacious information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Report : XXXX XXXX - Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: AZ

Complaint narrative:
Equifax- XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX & XX/XX/XXXX XXXX  XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report.This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

CAPITAL ONE/XXXX company is currently showing 60 days late for the month of XX/XX/2021. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

CAPITAL ONE BANK USA is reporting late as reported in my XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation