vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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 a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking numbers. 
# 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 explanation
Consumer complaint received 2022-04-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  account number XXXX and XXXX XXXX account number XXXX have violated my rights with the sections listed below. 

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 explanation
Consumer complaint received 2022-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have not supplied proof the Doctrine of Estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt nor therefore any such debt in fact therefore exists.

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 2022-04-30 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: NY

Complaint narrative:
I have not supplied proof the Doctrine of Estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt nor therefore any such debt in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The following accounts have incorrect information with all 3 credit bureaus : - XXXX XXXX XXXX ( Account Number : XXXX ) : Has incorrect dates of first delinquency. Experian has date of XX/XX/XXXX, XXXX has date of XX/XX/XXXX, XXXX does not have this information. XXXX and Experian also have incorrect payment histories throughout their filings. 

- XXXX XXXX  ( Account Number : XXXX ) : Has incorrect past due dates starting from XX/XX/XXXX through XX/XX/XXXX. Experian has past due days of XXXX in XX/XX/XXXX, XXXX has past due days of XXXX in XXXX. Experian has me in good standing as of XX/XX/XXXX, XXXX has me in good standing as of XXXX XXXX and Experian also has incorrect payment histories throughout their filings. XXXX does not have this information. 

- XXXX XXXX ( Account Number : XXXX ) : Has incorrect past due dates starting from XX/XX/XXXX until account close date. Many inaccuracies throughout payment history. Experian 60 day past due in XX/XX/XXXX, XXXX has 30 days past due in XX/XX/XXXX. Experian has me in good standing from XX/XX/2018XX/XX/2019XXXX has both 30 day and 60 days past due days in the same time span. XXXX and Experian also have many other incorrect payment histories throughout their filings. XXXX does not have this information.

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 2022-04-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Aqua Finance, Inc.
State: IL

Complaint narrative:
I bought my home in XX/XX/XXXX, shortly after I received a notice in the mail that I had a package. So I was thinking that maybe a package was trying to be delivered that I missed. So I called the number and found out that it was regarding a water softener. 

The sales man came out like the end of XXXX beginning of XXXX, went over his sales pitch and showed me how bad my water was and how if I get their water softener all the benefits that come with it. 

He then start asking me how much we pay for drinking water, dishwashing liquid, hand soap, filters for the refrigerator, and laundry detergent. It came out to like {$110.00} a month. He then said we can cut that in half {$54.00} and give you free dishwashing liquid, shampoo. hand soap, and laundry detergent. He ended it with you'l pay {$54.00} a month for 5 years, and I had 3 months to start paying, in which my first payment, would be due XX/XX/XXXX. He just needed to do a credit check and send an installer out. 

Awesome right, wrong! The installer came out, he had to drill holes in the wall, unbeknownst to me a that was never mentioned. Then the water was soft the first 3 months, now it's feeling hard again even after we bought bags of salt from XXXX. With our ice maker on the refrigerator he pointed out you see all this white residue was the chlorine that's in the water prior to the installation of the water softener, however after the water softener it's still a white residue, so pretty much nothing changed. 

Here 's what brings me to my complaint today.I feel like I was GOT, this was a gimmick. I look at my credit report often since I'm a victim to identity theft. I noticed that Aqua finance is on my credit report, reporting the product at {$46000.00} and the balance that's due today is {$4400.00}. If you take the {$54.00} I was told that was due each month and multiply that by 5 months that's come up to {$270.00}, right, wrong. For every payment I make for {$54.00} {$37.00} goes to interest, in which that was never discussed. So out of my {$54.00} only {$16.00} is going to the premium. 

Since it was a loan, I figured it was like you going to The XXXX XXXX or XXXX, where you get a piece of furniture and all the finance charges are included in that monthly fee. Well I called the customer service number on Thursday and basically the rep was like yes the interest is like {$1.00} a day. Now come on do you think I would've got myself in debt like this, I'm very smart when it comes to my money, I just don't spend it carelessly. 

Now the sales man lied to me and keep in mind I didn't receive my first bill until XXXX by that time it's too late to return the waters softener because you only had like 3 days to do that after installation. This company is a rip off and they need to be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX no longer has my credit profile on their website when I log in to my account on XXXX  theres no credit summary for me and no credit score listed aswell literally zero information also when I login to my account on XXXX XXXX my XXXX credit score hasnt been updated in two months and when I log in to experian to check my XXXX report theres a message that reads Sorry, we can't show you today 's 3- bureau report. This might mean that XXXX has no record of your credit history or different personal details for you on file. Until this issue is resolved, you won't be able to see your report. 

I called to speak to someone at XXXX about why my credit report hasnt been updated in two months and why theres no credit summary for me on their site and they said they can mail me my credit report which is fine but that doesnt fix the online issue Im having I need them to fix this so I can get regular updates on of my credit report on their website

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 2022-04-30 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: AES/PHEAA
State: OH

Complaint narrative:
I attempted to resolve my hardship problem by applying for forbearance at the end of XX/XX/2021. It was not processed successfully until the end of XXXX. I am not sure why they did not receive my initial application. When I realized it wasn't processed, I called again, another form was sent but it was the wrong form. When that form was denied. I called again and the proper form was sent over for me to fill out and submit for approval. It was finally approved but one of the loans in the package had different terms that I was not made aware of. I have one loan number that applies to all three of the loan on my account. The forbearance form ask for that number. If I log into my accounts at XXXX there are no individual loan numbers for the XXXX loans that are listed, again they are all listed under the one account number which is XXXX. It was not disclosed that the forbearance application would not apply to all XXXX of my loans anywhere on the application or over the phone. I asked that they review all the calls made in regard to the forbearance and it would prove that this information was not disclosed. XXXX of the accounts that belonged to citizens bank were approved for the forbearance but the one issued by XXXX was not. AES updated the 30 day late comment on my credit report for XXXX bank but did not update it for XXXX. The accounts are current now and reporting as current on my credit report although the XXXX late stain is still on my credit report from XXXX and I do not think this is just. I have attached the letter with specific dates that I sent to AES in an attempt to solve the dispute. I hope you all can assist me in resolving this because it is having a serious impact on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: MA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end 153 consumer credit plan as late for and purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: AmeriCollect
State: FL

Complaint narrative:
I have submitted multiple requests to XXXX about a collection account on my credit report. 

I wrote a letter dated XX/XX/2022, XX/XX/2022, and XX/XX/2022 asking XXXX to investigate an account. XXXX 's latest response was on XX/XX/2022 which was their latest update that the account was verified and updated on Report Number XXXX. I originally asked for a description of your procedures on XX/XX/2022 and XXXX failed to respond with the information that I have originally requested. 

At this point, I am so upset and I feel so abused by their company that I have decided to file complaints. XXXX has ignored me, treated me like an uneducated consumer, and caused my family and me great distress. Leaving bad information on my file has prevented me from obtaining credit to get a loan that is needed for consolidating debt and this is not fair to me or my family. 

I have also expressed to XXXX that the Americollect account is not valid and is in violation of my XXXX rights. I never signed and authorized a XXXX release form for them to have my personal medical information and yet they do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
EXPERIAN. XXXX XXXX Acct number : XXXX XXXX N accordance with fair credit regarding act convergence to those account has violated my rights. 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C section 602 A section 2 : its also states a consumer reporting agency can not furnish a account without my instructions They put a middle name on my name. I dont have a middle name and they refuse to remove it

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 2022-04-30 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:
In accordance with the Fair Credit Reporting Act XXXX continues to violate my rights by exhibiting fraudulent hard inquiries on my credit report. I have filed an Identity theft report with the FTC and the local authorities in my city. Under the Fair Credit Reporting Act 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to protect my rights with accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. Equifax has repeatedly broken the law in this regard and refuses to address my repeated disputes regarding these fraudulent Hard Inquiries. 

XX/XX/20XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2021 XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XX/XX/2021 XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX, VA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/2021 XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: AL

Complaint narrative:
From XXXX of 2021, I filed a dispute with Experian, XXXX and XXXX about the inaccuracy being reported on my credit report of the accounts XXXX XXXX -- XXXX and XXXX  XXXX. There are two different high balances being reported, {$960.00} on XXXX and XXXX but {$0.00} on Experian for the XXXX XXXX, and different dates of last activity for the XXXX charge off.. How is this even possible when you're supposed to have the same accurate information reporting according to the FCRA. I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from this bureaus in several months.after numerous attempts. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from these bureaus about this inaccurate account as of today. Thank you

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 2022-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was charged {$470.00} for a hotel booking in XXXX that I did not book, especially when in fact I live in the United States and dont plan on leaving the country anytime soon. I filed a claim with Wells Fargo and they provided me a temporary credit yesterday XXXX/XXXX/2022, however I woke up to see the credit removed with no explanation on my account. I began to try to get some reasoning as to why this happened however I have been unsuccessful, I am now looking to appeal or file another which would be a tedious process.

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 2022-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P.
State: WA

Complaint narrative:
I pay on the debt on a monthly basis, and I have repeatedly called in to pay it now that I am aware it is on my credit report. I have been polite and asked the company to stop calling. I most recently paid as much as I could on XX/XX/XXXX, and today, XX/XX/XXXX, I received another call about the debt. I do not have enough money right now to make any extra payments on my debt until XXXX. The name of the company is Southwest collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
In the beginning of XXXX, XX/XX/2022 I requested a check to be mailed to my address. I was told my {$1500.00} check will arrive within 5 business days. When the check did not arrive in that timeframe, I contacted Robinhood/XXXX XXXX XXXX I was told there is no way for them to track checks. After reaching out several times to request a cancellation, in case the check was stolen, the check was never canceled. The only response I got was a circulation that my check has been mailed and if I want it canceled, let them know. Yes cancel, yes cancel, yes cancel. Fast forward to the end of the month, my check has not arrived, my check has not been canceled and the money from the check has not been put back into my account. Next issue. On XX/XX/2022 I tried to make a purchase and that purchase was declined. I immediately called Robinhood and asked them what happened. They said that my card became restricted with that specific transaction because they wanted to make sure it was me. I confirmed that it was me indeed and can they please remove the restriction from my card? The lady told me in order to remove a restriction, I have to email them a picture of the front and back of my social security card, in addition to, the front and back of a government ID. This would take a couple of days. I told the lady I dont have a couple of days, I need to be able to use my card. She then said she will get it expedited and it will take 48 hours for the restriction lift to be removed. I thought this process was odd considering there was no foul play but I had no choice. The lady stayed in constant contact, immediately responding to my emails after our phone conversation and stated she was there as help in my case and working on getting things processed quickly. Again, this card is my only survival line. Suddenly, after 48 hours, my bank account switched from restricted to frozen. I immediately emailed the lady asking what is going on, and explained the important role the card had to my well-being and the confusion I had as to why there is an issue to begin with. I never heard back from her. Robinhood then started blocking literally everything, my works paycheck from entering as deposit ( I live in CA ), refunds, and more. I signed in on the Robinhood app and I was blocked from requesting calls ( requesting a call in app is the only way you can get a person on the phone ). I was only allowed to send emails via the app. I sent numerous emails and Robinhood has completely shut me out, no one will respond to my emails or talk to me. I now am on the streets with no money for food, gas, water, or shelter and thousands of dollars frozen without given any reason as to why I have a frozen bank account. I want to make note- although Robinhood is known as a stock broker company, this issue is with their debit card/checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy, 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for and purpose

Company response to consumer: Closed with explanation