vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I filed a XXXX complaint with the company XXXX regarding account XXXX. I informed them of incorrect information reporting, and they stated that the consumer reporting agencies may reflect an activity date based on their reporting, but XXXX does not directly report a date of last activity or date last reported. Despite my attempts to resolve this issue directly with your company, the inaccurate reporting persists, prompting me to escalate the matter further.

Upon reviewing my credit reports from TransUnion, XXXX, and XXXX, I discovered glaring inconsistencies in the information provided. TransUnion reported a date of last activity as XX/XX/XXXX, while XXXX indicated XX/XX/XXXX, and XXXX XXXX/XXXX/XXXX. These dates are inaccurate and do not align with the actual activity on the account.

Additionally, there are discrepancies in the reported high credit limit across all three credit bureaus. Such inconsistencies not only violate the Fair Credit Reporting Act ( FCRA ) but also cast doubt on the accuracy and reliability of the information provided.

Furthermore, it has come to my attention that this account was sold to XXXX XXXX, and the balance reported aligns with the correct high balance as reported by XXXX. However, the lack of validation from all XXXX  credit reporting agencies has contributed to the discrepancies observed. 

I must emphasize that this account is past the statute of limitations in the state of Texas and should have been removed after being transferred. The continued reporting of inaccurate information has had a detrimental impact on my creditworthiness and financial standing. 

As a result, I am requesting the immediate removal of account XXXX from all XXXX  credit reports. Failure to rectify this situation promptly XXXX compel me to pursue legal action for gross misconduct and defamation of character. 

The correct information is below. I will be keeping record of our correspondence for court records. This false reporting not only compromises my creditworthiness but also undermines the integrity of the credit reporting system. See the correct information below and remove this account immediately : Open Date : XX/XX/XXXX Last Payment Date : XX/XX/XXXX Closed Date : XX/XX/XXXX High Balance : {$3000.00}.

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 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I filed a XXXX  complaint with the company XXXX regarding account XXXX. I informed them of incorrect information reporting, and they stated that the consumer reporting agencies may reflect an activity date based on their reporting, but XXXX does not directly report a date of last activity or date last reported. Despite my attempts to resolve this issue directly with your company, the inaccurate reporting persists, prompting me to escalate the matter further. 

Upon reviewing my credit reports from XXXX, Equifax, and XXXX, I discovered glaring inconsistencies in the information provided. XXXX reported a date of last activity as XX/XX/XXXX, while Equifax indicated XX/XX/XXXX, and XXXX XXXX/XXXX/XXXX. These dates are inaccurate and do not align with the actual activity on the account. 

Additionally, there are discrepancies in the reported high credit limit across all XXXX  credit bureaus. Such inconsistencies not only violate the Fair Credit Reporting Act ( FCRA ) but also cast doubt on the accuracy and reliability of the information provided. 

Furthermore, it has come to my attention that this account was sold to XXXX XXXX, and the balance reported aligns with the correct high balance as reported by Equifax. However, the lack of validation from all XXXX  credit reporting agencies has contributed to the discrepancies observed. 

I must emphasize that this account is past the statute of limitations in the state of Texas and should have been removed after being transferred. The continued reporting of inaccurate information has had a detrimental impact on my creditworthiness and financial standing. 

As a result, I am requesting the immediate removal of account XXXX from all XXXX  credit reports. Failure to rectify this situation promptly may compel me to pursue legal action for gross misconduct and defamation of character.

The correct information is below. I will be keeping record of our correspondence for court records. This false reporting not only compromises my creditworthiness but also undermines the integrity of the credit reporting system. See the correct information below and remove this account immediately : Open Date : XX/XX/XXXX Last Payment Date : XX/XX/XXXX Closed Date : XX/XX/XXXX High Balance : {$3000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
The first credit report that I sent to the XXXX XXXX XXXX they could not understand it and asked me to rewrite the report and pay for a copy of my credit report to be sent to me.It 's a shame that one has to go through this mess to get ones credit report corrected rhey act like they don't want to do their job. The companies that I listed were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If they can't verify them than remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
The first credit report that I sent to the XXXX XXXX XXXX they could not understand it and asked me to rewrite the report and pay for a copy of my credit report to be sent to me.It 's a shame that one has to go through this mess to get ones credit report corrected rhey act like they don't want to do their job. The companies that I listed were : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If they can't verify them than remove them.

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 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
I called Credit Acceptance two weeks prior to talk about my account. The representative coaxed me into putting my account on a 6 month payment arrangement. Making payments every two weeks, knowing my account was not past due nor was any of my payments late. The representative told me that my credit would not be affected that my account would stay in positive condition as longs as my payments are paid on time. Now its reporting to my credit file as late payment.

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 2024-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank has blocked my account since XX/XX/2024 for no apparent reason. I made a complaint earlier with CFPB and CitiBank responded saying the fraud department sent me a letter in the mail to confirm my account on XX/XX/XXXX and again on XX/XX/2024, neither of which I have received. They said it takes XXXX business days to receive the letter and its been past that timeframe, XXXX  already. Please contact the Account Takeover Department because they are the ones sending the letter and they are either sending it to the wrong address or not sending it at all. Citi Executive Response Unit will respond to this complaint by saying they sent a letter to my address and that the case is resolved ; I dont accept this response because they are still to contact the Account Takeover department and investigate why the are sending the letter to the wrong address. It can not be a coincidence that the mailman lost the letter, XXXX times already. I still receive various anonymous mail from Citibank concerning my account, this seems to be the only letter from Citibank that I havent received and its from this particular department, so they are obviously doing something wrong. Here attached in this complaint are images of other mail I have received from a different department of Citibank regarding other issues with my account ; this proves that I receive mail from CitiBank, just not from the aforementioned department. Ive filed a complaint with Citibank executive response unit and they basically told me they dont have any control over the fraud department and have no rapport with them and cant even call them. I have my life savings of {$55000.00} in this account which I can not access and this is jeopardizing my familys living situation as I am unable to pay rent without these funds. Citibank Account number : XXXX Account type : personal checking account Account holder Name : XXXX XXXX Citibank Fraud department : ( XXXX ) XXXX I have filed complaint with Citibank Executive Response Unit at : XXXX extension : XXXX Reference number : XXXX Original OCC case number : 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 2024-02-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: OR

Complaint narrative:
Hello, On XXXX I submitted an application on Studentaid.gov for the SAVE repayment plan. Since that time, I've received 2 emails from Edfinancial : 1. ) On XXXX  showing my billing statement for XX/XX/XXXX is {$0.00}. 

XXXX. ) On XX/XX/XXXX ( today ) I received an email telling me to check new messages in my Edfinancial inbox. The message shows I was put in the Standard Repayament Plan and owe {$410.00} due in 5 days, on XX/XX/XXXX!! That is nearly 40 % of my monthly income. Stressful. 

When I logged into my Edfinancial inbox on XX/XX/XXXX, per their request, I also saw a message from XX/XX/XXXX requesting a 1040 tax document as documentation of income, in order to approve my SAVE application. I was never emailed or notified of this request. I sent this form to them immediately on XXXX  I also reapplied for SAVE on studentaid.gov

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
I was out of a job effective XX/XX/XXXX. I explained to Acima that I did not have an income and this was the reason for falling behind on payments. Recently I became employed XX/XX/XXXX and intended to pay my lease off once I had enough funds saved. I reached out a few weeks ago to inquire about a XXXX cash payoff so I would not longer be in debt and can catch up on more important bills. Acima told me I was past my payoff which I believe was XX/XX/XXXX. I've never had a problem paying, I just didn't have the means to do so. I asked a rep could I return the necklace that was custom but the rep did not do anything but give me a customer care number to call. I emailed them as well and was told they couldn't discuss my lease via email. I have tried a few times to reach a resolution. I have leases with XXXX XXXX and XXXXXXXX XXXX  who both have no problem helping their customers who fall on hard times. XXXX XXXX, my lease expired XX/XX/XXXX. After explaining my concern they honored my 90 day payoff on XX/XX/XXXX and only charged me an extra XXXX to do so. The lease is now closed because of their willingness to help, XXXX will be closed XX/XX/XXXX both paid in full and in good standing to do business with both companies in the future. I watched Acima forgive a lease with my wife years prior and also refuse to give her another lease because they honored a payoff. Why is it so hard to help? Things are literally out of my control. I would like to have my payoff honored so I can close this debt for good instead of being threatened to be reported to the credit agencies for not paying when I am indeed trying to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
The Bank Regional Acceptance has different contract dates in their database than showing on my orignal agreement. In addition to this after reviewing this contract, my signature is not present in all places required. When visiting the orignal dealership where purchased, the finance team and managers were totally confused and stated that I should contact my attorney. I am requesting that this loan be removed from my credit file as dates and the overall numbers of the contract are conflicting. Regional acceptance is showing XXXX payments remaining and no term in months. Please remove from my credit file.

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 2024-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I sent the amount of {$60000.00} USD from XXXX XXXX on XX/XX/year> to Chase Bank. It was confirmed by the gentleman that the money was sent to. it was with the intent to start a business as a silent business partner, which I had contractual obligations with. I found out the gentleman that I was working with was ultimately scamming people, and in addition, was XXXX. I found out about his XXXX around XX/XX/XXXX. 
After I found out about his XXXX, I did some research online and ultimately found out that he was scamming people through multiple businesses. I never saw anything that he told me would be delivered through the business ( such as a website, ads that were to be run, or contacts that I was supposed to have ). 
I contacted my bank, XXXX XXXX  to request that they contact Chase bank to refund the money. Chase Bank was ultimately not able to return the money to me. 
I then contacted Chase Bank directly and asked them to be able to release the money, or provide me with details of who now owns the account and to freeze the accounts so that I could pursue getting my money back. Ultimately Chase Bank sent out a debit authorization to the account holder to return my funds, but were unable to provide me with any additional information on the account holder, or verify if they have or could freeze their account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MARINER FINANCE, LLC
State: FL

Complaint narrative:
I took out a personal loan with Mariner Finance for {$2000.00} in XXXX XXXX XXXX to pay some credit card debts, I have always paid the loans payments timely, I had periods of unemployment where I was not able to pay timely, I HAVE XXXX SUPPORT FROM ANYONE, my family has disowned me due to my lifestyle as a XXXX XXXX, I have no friends to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was denied XXXX  benefits multiple times due to an issue that I was not aware, I was also evicted from my place of residence along with the repossession of my vehicle in which I lived in upon my eviction, I have been living in shelters, living motels with vouchers, squatting in vacant properties and sometimes sleeping on the streets or in public places where I also wash up along with washing clothes. I have been trying to get on my feet since the job termination and eviction. However, with the late payments and other barriers on my credit reports I AM UNABLE TO GET HOUSING AND HOUSING ASSISTANCE here is ON A XXXX  OR LONGER WAITLIST. Most of the shelters in XXXX XXXX are full and told me that I need help beyond their qualifications. By having this negative information removed IMMEDIATELY, it would help me get steady employment, housing, a vehicle and a normal life as I have been XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NO ONE WAS there to support me in anyway, I have been dealing with this alone and I can not achieve XXXX  due to this issue or XXXX XXXX XXXX XXXX. I WILL SUE FOR {$34000.00} and an additional {$2500.00} for legal fees IF THIS REQUEST IS NOT MET!! I AM ALSO REQUESTING THAT ALL OF THE LATES BE IMMEDIATELY CREDITED TO MY LOAN IMMEDIATELY!!! Also {$1500.00} payment for emotional distress IMMEDIATELY!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
IN ACCORDANCE WITH THE CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 CONSOMER REPORTING AGENCYNCANNOT FUMISH 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 2024-02-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Bridgecrest Acceptance Corporation
State: NV

Complaint narrative:
I filed bankruptcy back XX/XX/XX/XX/XXXXto get fresh start everything all debtors was notified did not receive in file backs, all creditors have disappeared on bankruptcy except bridgecrest I have reached out to them with proper documentation and reached out experian about this as well and it is not being removed The only credit report it is reporting on is 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 2024-02-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Healthcare Finance Direct LLC.
State: NY

Complaint narrative:
XX/XX/2024 - i submitted a complaint to XXXX XX/XX/2024 - HFD responded stating they are in the process of trying to cancel XX/XX/2024 - HFD sent a letter threatening to send me to collections if I don't continue the account HFD is in the process of canceling.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have attempted to dispute the XXXX XXXX account several times with XXXX, TransUnion and XXXXXXXX XXXX  as Not opened by me and Not belonging to me. I requested the Origional Signed Contract from XXXXXXXX XXXX and they have refused to provide it. I have requested that XXXX and Transunion Delete this account because XXXXXXXX XXXX  has refused to validate this account by sending me the Origional contract. XXXX and Transunion refuse to delete this account and continue violating federal law by reporting un -validated account information. The dates of dispute are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion-XXXX XXXX XXXXXXXX

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 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I have attempted to dispute the Sychrony Bank/LOWES account several times with XXXX, XXXX and Sychrony Bank as Not opened by me and Not belonging to me. I requested the Origional Signed Contract from Synchrony Bank and they have refused to provide it. I have requested that XXXX and XXXX Delete this account because Synchrony Bank has refused to validate this account by sending me the Origional contract. XXXX and XXXX refuse to delete this account and continue violating federal law by reporting un -validated account information. The dates of dispute are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXX XX/XX/XXXX {$14000.00} XXXX XX/XX/XXXX {$7300.00} CAP ONE XX/XX/XXXX {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$2500.00} XXXX XXXX XX/XX/XXXX {$2200.00} ADDRESSES NAMES ASKING FOR REMOVAL OF : CHARGE OFFS- 15 USC 1601 LATE PAYMENTS - 15 USC 1666 COLLECTIONS - 15 USC 1692 INQUIRIES - 15 USC 1681

Company response to consumer: Closed with explanation