vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting 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: WI

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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:
PLEASE BLOCKED AND REMOVED. 
I did not authorize the creation of these accounts and have suspicions regarding their legitimacy. I kindly ask that you conduct a thorough review and expeditiously remove them from my 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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
I submitted a dispute to XXXX dated XXXX including all of the necessary information for them to conduct a proper investigation of my account with credit acceptance for my car loan because it is being reported late from XX/XX/XXXX to XX/XX/XXXX. Now this account was set up for auto pay but Credit acceptance did NOT REQUEST the payments for the months of XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX. I found out something was wrong in XX/XX/XXXX and immediately started making bigger payments to catch up until I finally did in XX/XX/XXXX. In my dispute I requested XXXX to contact credit acceptance and investigate. They did not. All I received was a letter dated XXXX saying the dispute " does not appear to have been sent directly by you ''. I don't understand how they can say that when I included a copy of my drivers license, my social security card and all my bank statements with my name and address on them. I called XXXX on XXXX and spoke to XXXX at XXXX eastern who originally said they had not received any disputes from me in the last few months. Then she corrected herself and said there was a dispute in XXXX but only for my name date of birth and email.

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 2024-04-19 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: NC

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had three late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates ( XX/XX/2022 ) ( XX/XX/2022 ) ( XX/XX/2022 ) Im now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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 2024-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: IL

Complaint narrative:
I recently reviewed a copy of my credit report and observed numerous inaccuracies associated with my account. These discrepancies are adversely impacting my creditworthiness and ability to secure credit. I trust that you will conduct an investigation into this account to ensure its accuracy. The specific account I am requesting verification for is the XXXX  XXXX, identified by the Account 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 2024-04-19 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I recently reviewed a copy of my credit report and observed numerous inaccuracies associated with my account. These discrepancies are adversely impacting my creditworthiness and ability to secure credit. I trust that you will conduct an investigation into this account to ensure its accuracy. The specific account I am requesting verification for is the XXXX  XXXX, identified by the Account Number : XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: TX

Complaint narrative:
Im begging you please remove this to the 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 2024-04-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: U.S. BANCORP
State: OK

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account that i attach bellow However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-04-19 00:00:00
Product: Credit reporting 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: NJ

Complaint narrative:
I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account that i attach bellow However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: Nelnet, Inc.
State: TN

Complaint narrative:
I am enrolled in auto debit as printed on my monthly statements. My XXXX statement showed no past due amounts and the amount of my next auto debit payment amount. The money was successfully pulled from my bank account on the due date. Now Nelnet is emailing me and calling me at work to tell me I am past due. I enrolled in auto debit so that I would not become past due. When I call to inquire why the incorrect amounts are being pulled they could not give me an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My bank company capital one is holding my paychecks & tax return funds inside my savings & checkings bank account after they have told me Im using a personal account for business transactions, people use XXXX  commonly on XXXX, & Ive already called and talked to the fraud/risk dept, and they won't help me, after they have failed to verify the customers phone number. They have also told me they have no time frame on this investigation. I get paid every two weeks and theyre holding my paychecks in the account after someone sent one XXXX  payment for {$160.00} they decided to freeze the entire account with my paychecks in it after he decided to file a false chargeback on one XXXX  payment. I have proof and would speak to investigators, but they havent reached out for true evidence and they can not verify the phone number the customer provided. I have been with this bank for 2 years now & know someone who has banked with them for 30 years & they have ended that relationship aswell. Another customer who had a similar situation to this problem Is this guy on XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, capital one is known for holding peoples funds As I am not the only one to complain about this situation, multiple customers have complained About Capital One forcefully Terminating accounts for XXXX transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: Bridgecrest Acceptance Corporation
State: SC

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account 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 explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
It has been close to 18 months, and I have not been able to get my current credit report or score. Experian has not helped and refused to give a current credit report and score. My bank and lenders are unable to get a current score or report. The credit report is 18 months old. 

Anytime a creditor needs a current report it only shows one from 18 months ago and a very old score from 2 yrs ago. This is serious! 

I have an Experian account number ID # XXXX XXXX demanding the rights i have to be given a Credit report and score what on earth is going on? I have a credit file but yet you guys are not updating or showing accurate information or current 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 2024-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV states this account was open XX/XX/XXXX? I never had an accoount with LVNV they stated on the phone that it was a XXXX XXXX however, the account they bought was a XXXX  XXXX account. This was an original XXXX XXXX credit card opened in XX/XX/XXXX closed XX/XX/XXXX when it was sold to XXXX  XXXX. if you notice on origianal report it shows paid on time for XXXX and XXXX it does not show a balance or anything else. was up to date on payment shows XXXX balance when I called XXXX  on XX/XX/XXXX the recording said XXXX balance. then I called XXXX  XXXX it said XXXX balance. I called Lvnv then the next time I talked to XXXX XXXX they said I needed to contact lvnv which I did again. On the origianal crdit balance was XXXX and it was with XXXX XXXX I can not find out anything from XXXX XXXX. I requested from LVNV the orginal contract and statements of payments and explained to them it shows XXXX balance. they could not give me any info. I can not get any info from anyone. LVNV states its a XXXX XXXX which is XXXX  XXXX why would synchb sent it to them if It was paid on time? They are wrong it should have never went to them. It was paid in full per XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I submitted a dispute to Experian dated XXXX including all of the necessary information for them to conduct a proper investigation of my account with XXXX XXXX for my car loan because it is being reported late from XX/XX/XXXX to XX/XX/XXXX. Now this account was set up for auto pay but XXXX XXXX did NOT REQUEST the payments for the months of XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX. I found out something was wrong in XX/XX/XXXX and immediately started making bigger payments to catch up until I finally did in XX/XX/XXXX. In my dispute I requested Experian to contact XXXX XXXX  and investigate. They did not. All I received was a letter dated XXXX saying the dispute " does not appear to have been sent directly by you ''. I don't understand how they can say that when I included a copy of my drivers license, my social security card and all my bank statements with my name and address on them. I called Experian on XXXX and spoke to XXXX at XXXX eastern who originally said they had not received any disputes from me in the last few months. Then she corrected herself and said there was a dispute in XXXX but only for my name date of birth and email.

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 2024-04-19 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: TN

Complaint narrative:
Collections was added to my account when it shouldn't have. 15 usc 1692c ( c )

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 2024-04-19 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: AK

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX Account Number : XXXX Inquiry XXXXXXXX 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 2024-04-19 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: KY

Complaint narrative:
I placed a dispute to transunion stating the information on my credit report was incorrect, they did not do a thorough investigation and sent the information back as verified, the accounts in question one account is not my account, and the other account has never been late due to documents disclosed below.

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 2024-04-19 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:
PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my 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 2024-04-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my extreme frustration and disappointment regarding the ongoing inaccuracies present on my credit report. Despite multiple attempts to address and rectify these errors, they persist, and I am appalled by the lack of action taken to resolve the issue. 

It is unacceptable that despite providing clear evidence and documentation to support my claims of inaccuracies, no corrective measures have been taken. These errors are adversely affecting my financial standing and credibility, and I demand immediate action to rectify them. 

I have diligently followed the dispute process outlined by your bureau, yet the inaccuracies remain unresolved. This negligence on your part is not only frustrating but also damaging to my financial well-being and reputation. 

I demand that you conduct a thorough investigation into the inaccuracies on my credit report and take immediate steps to rectify them. I expect a prompt resolution and regular updates on the progress of my dispute. 

Failure to address this matter with the urgency it requires will compel me to seek further action to protect my rights as a consumer. 

I urge you to take this matter seriously and prioritize the resolution of these inaccuracies without any further delay.

Company response to consumer: Closed with non-monetary relief