vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX reported my payment as late for XXXX but I never got an email or message that the payment I made in XXXX never posted. I still don't know why it didn't post but they should have contacted me to let me know something happened. It could have very easily been an error on their website which is always down with issues. I have never missed a payment on anything and it's totally ridiculous that this was reported instead of alerting me. I demand that it be removed from my credit report. Once I found out the payment never was made I of course paid it and the XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting 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:
XXXX reported my payment as late for XXXX but I never got an email or message that the payment I made in XXXX never posted. I still don't know why it didn't post but they should have contacted me to let me know something happened. It could have very easily been an error on their website which is always down with issues. I have never missed a payment on anything and it's totally ridiculous that this was reported instead of alerting me. I demand that it be removed from my credit report. Once I found out the payment never was made I of course paid it and the 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 explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

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 2023-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX : Innovis and XXXXAttached you will find multiple XXXX CFPB Complaints against XXXX, XXXX and XXXX XXXX XXXX place account XXXX ( up to XXXX words ) Consumer Statements for my XXXX XXXX XXXX XXXX XXXX accounts, XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Accounts and XXXX XXXXXXXX XXXX accounts. That means XXXX account specific Consumer Statements must be included within the detail for every one of these XXXX accounts. You should read this Complaint as if they are addressed to Innovis and XXXX requiring you to insert the requested Consumer Statements for the identical reasons. Moreover, due to my pending United States XXXX XXXX case in XXXX in the XX/XX/XXXX case styled XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and my subsequent pending XXXX arbitration filings with XXXX XXXX XXXX cases as XXXXt against XXXX  XXXX XXXX XXXX and XXXX, you must not only permanently mark each account as Disputed by Consumer until court litigation and arbitrations are completed in a few years but you must initiate the required dispute investigation with all disputed Furnishers plus delete every old address, except my current address, to avoid frivolous lawsuits being started against me in an improper venue outside my XXXX area XXXX I expect to subpoena your records in my XXXXXXXX XXXX XXXXXXXX cases and my federal lawsuit so it is imperative that my records be 100 % complete and accurate and Metro XXXX and FCRA compliant without obvious Facially False Data in violation of the CFPBs XX/XX/XXXX advisory by CFPB Director Rohit Chopra . Kindly promptly provide me with a complete credit report by US First Class USPS Mail as soon as you receive this complaint and an updated complete report after the XXXX account specific Consumer Statements are included and another updated complete credit report after you complete your investigation of my disputes for the XXXX accounts. Sincerely, XXXX XXXX. XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP
State: MI

Complaint narrative:
Hello, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX ELAN FINANCIAL SERVICES CREDIT CARD # XXXX OPENED ACCOUNT ON XX/XX/2006, ACCOUNT CLOSED THIS CARD SHOULD HAVE BEEN OFF MY REPORT, ALSO I DON'T HAVE THIS CARD ANYMORE. I CALLED ELAN FINANCIAL AND THEY SAID IT'S IN COLLECTIONS, THEN THEY SAID IT'S CLOSED, THEN THEY SAID THEY DON'T SEE ANYTHING. THIS COMPANY IS STOPPING ME FROM GETTING CREDIT CARDS FROM DIFFERENT COMPANIES. I HAVE BEEN CALLING ELAN FINANCIAL FOR XXXX WEEKS, TRYING TO CLEAR THIS MATTER UP. PLEASE HELP ME OUT. I KEEP GETTING TRANSFERRED TO DIFFERENT NUMBERS, BACK-TO-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 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Key Mortgage Services
State: IL

Complaint narrative:
My husband and I applied for a home loan with a company called Key Mortgage. 

On XX/XX/2023, XXXX of the employees of XXXX Mortgage named XXXX XXXX sent a denial letter for the loan with attachment of both my husband and my credit report. She sent this, without my husband or my consent to the real estate attorney, who in turn canceled the purchase contract of the home we were suppose to buy without our consent. We had other options to purchase the home but as a result of her negligent actions as well as the attorney, we lost the home.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Improper use of credit report, unauthorized inquiries on my credit profile

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 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
.Identity Theft! I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.

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 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
.Identity Theft! I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.

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 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting XXXX XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2023-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
On XX/XX/2021 I purchased a medical procedure on an advertise 0 % financing plan for XXXX years if the full balance were paid by the promotion expiration date. In setting up the account I enrolled in auto-pay which recommended a minimum payment that was already prefilled. This auto-pay rate I assumed to be the rate in which I would remain complaint to the promotional terms. This was not the case, following XXXX years of auto-pay, the balance was not paid and I was automatically charged without warning XXXX years worth of deferred interest for not meeting the promotion rules. Auto-pay 's continued and no emails, letters, or correspondence was issued to alert me of this. As a result I was charged over $ XXXX dollars in deferred interest. The practice of making the recommended minimum payment amount in the lenders own auto-pay tool not complaint with the lender 's own promotion policy seems intentionally misleading and predatory.

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 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: FL

Complaint narrative:
From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX : XXXX and LexisNexis-Attached you XXXX find multiple XXXX CFPB Complaints against XXXX, XXXX and XXXX XXXX XXXX place account XXXX ( up to XXXX words ) Consumer Statements for my XXXX XXXX XXXX XXXX XXXX accounts, XXXX XXXX XXXXXXXX XXXX XXXX  Accounts and XXXX XXXXXXXX XXXX accounts. That means XXXX account specific Consumer Statements must be included within the detail for every XXXX of these XXXX accounts. You should read this Complaint as if they are addressed to XXXX and LexisNexis requiring you to insert the requested Consumer Statements for the identical reasons. Moreover, due to my pending United States XXXX XXXX case in XXXX in the XX/XX/XXXX case styled XXXX XXXX versus XXXX XXXX XXXX XXXX and my subsequent pending XXXX arbitration filings with XXXX  XXXX XXXX cases as Claimant against Respondents XXXX XXXX XXXX and XXXX, you must not only permanently mark each account as Disputed by Consumer until court litigation and arbitrations are completed in a few years but you must initiate the required dispute investigation with all disputed Furnishers plus delete every old address, except my current address, to avoid frivolous lawsuits being started against me in an improper venue outside my XXXX area XXXX I expect to subpoena your records in my XXXX XXXX XXXXXXXX cases and my federal lawsuit so it is imperative that my records be 100 % complete and accurate and Metro XXXX and FCRA compliant without obvious Facially XXXX XXXX XXXX violation of the XXXX XX/XX/XXXX advisory by CFPB XXXX XXXX XXXX XXXX Kindly promptly provide me with a complete credit report by US First Class USPS Mail as soon as you receive this complaint and an updated complete report after the XXXX account specific Consumer Statements are included and another updated complete credit report after you complete your investigation of my disputes for the XXXX accounts. Sincerely, XXXX XXXX. XX/XX/XXXX 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX Quick silver I have sent my DL and copy of my ssn in branch, faxed, uploaded everything since XXXX when I took out a auto loan with capital XXXX and that started this mess. I am XXXX XXXX XXXX born in XXXX in XXXX of XXXX I did not receive a ssn until XXXX. This XXXX XXXX account was open XX/XX/XXXX partial acct # XXXX ... credit limit {$6300.00} with a balance of {$5700.00} I would have been XXXX XXXX XXXX and 10 years before even qualifying to have a ssn. I dispute and all capital one does is verify the amount and expect me to pay an account that's not mine. They have also shut down and restricted XXXX of my XXXX credit cards because of this and blocked me from allowing me to make payments on my card though the years causing late payments when they somewhat get it together and allow me some access to make payments. My credit and when I banked with XXXX XXXXXXXX, my bank info with them also got mixed together with this other customers ' I have been given access to her ( XXXX ) account though out the years yet no one can understand its not me this other customers account is even in a different language.

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 2023-10-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Navient contacted me for the XXXX time to tell me I owe fees. I am poor and XXXX. Navient is on my credit although never notified me of anything. Now for the first time Navient is fraudulently taking advantage of people with XXXX to charge fees. I notified CFPB of Navient on credit but was never notified of fees before. This is FRAUD AND THEY SHOULD BE HELD LIABLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: MoneyLion Inc.
State: CA

Complaint narrative:
IN XX/XX/2021, I WAS A VICTIM OF IDENTITY THEFT. I NEVER TOOK OUT A LOAN FROM THIS COMPANY " MONEYLION ''. THIS ACCOUNT DOES NOT BELONG TO ME. NOW I SEE IT ON MY CREDIT REPORT THE SCAMMERS/HACKERS TOOK OUT A LOAN OF {$890.00} I CHANGED MY BANK ACCOUNT. DELETED MY EMAIL. I ALREADY MADE A CLAIM TO ALL 3 CREDIT BUREAUS AND CONTINUED THE " FREEZE '' MY IDENTITY WAS STOLEN- PLEASE HELP IN CLEARING THIS FROM MY CREDIT REPORT. THIS ACCOUNT DOES NOT BELONG TO ME...

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Total Auto Finance
State: VA

Complaint narrative:
I called TOTAL AUTO FINANCE and they stated to me to not send no payments to XXXX XXXX SERVICES. I called XXXX and they told me that I need my next payment was due to them in XXXX. I told them that as long as XXXX XXXX or Total Auto Finance didnt send me a letter or call me I would not send payments to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FIRST NATIONAL BANK OF OMAHA
State: GA

Complaint narrative:
I received notice from XXXX debt collection for a XXXX XXXX Credit Card. I asked on several occasions for proof showing that I opened this account, since XXXX stated it was opened XX/XX/XXXX with First National Bank of Omaha. FNBO, stated last payment was received XX/XX/XXXX and charged off the account on XX/XX/XXXX. NOTE : Statute of Limitations started in the month of XX/XX/XXXX, when payment wasn't supposedly received. I called FNBO to request a copy of the original written contract, to prove this was my account. FNBO stated they had no record. FNBO sold the account to XXXX XXXX XXXX XXXX. XXXX on or about XX/XX/XXXX, and on that same date XXXX assigned it to XXXX. My complaint is if the account was in the hands of FNBO until XX/XX/XXXX why am I unable to get a copy of the written contract. XXXX have supplied me with bills, but in this day and age anything can be forged. Especially with my information being compromised through the XXXXXXXX XXXX XXXX XXXX on several occasions, and most recently Great Expressions. I did have a XXXXXXXX XXXX account around XXXX and it went in charge off status not long after. My request is for XXXX or FNBO to provide me with a copy of the original contract.to prove this is my 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 2023-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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