vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-19 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AMERICAN HONDA FINANCE CORP
State: AZ

Complaint narrative:
Regardless of the multiple written requests, the AM HONDA FIN account listed below is still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

( AM HONDA FIN XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
The XXXX and XXXX Credit Bureaus are reporting inaccurate information on JPMCB CARD ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

( JPMCB CARD XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I have been patiently waiting on CAPITAL ONE 's response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the erroneous account reporting on my Credit Report : ( CAPITAL ONE XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One Auto failed to provide full disclosure in the contract. They did not provide my right of rescission and they did not give full disclosure of TILA. The finance charge specifically.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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:
Equifax is reporting 40 accounts are open when the accounts are closed. These accounts are paid. The 40 accounts have deducted XXXX points from my XXXX score. Equifax continues to report these accounts as derogatory and they are not which hinders my XXXX  score from ever increasing and keeps it in a negative status. These accounts have been stuck with this sinceXX/XX/XXXX to present.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
XX/XX/2021 US XXXX XXXX of Washington amount {$140.00} XX/XX/2021 XXXX XXXX XXXX XXXX XXXXt amount {$99.00} These 2 companies have fraudulent collection accounts on my equifax XXXX XXXX and XXXX rereports. Im reqiesting these 2 companies provide proof of these accounts with my legal wet signature

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NV

Complaint narrative:
I made a transfer to XXXX to Coinbase for XXXX and never received the funds. Complete crypto fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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 — Investigation took more than 30 days
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I filled a dispute about items I found to be incorrect on my credit report. I have yet to receive a resolution about the issue even with 30 days that have already passed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANCO POPULAR DE PUERTO RICO
State: NC

Complaint narrative:
Account all of a sudden displays {$0.00} credit limit, but I haven't closed the account. Called the bank using the number on the back of the card and they said it has been closed for over a year ( it hasn't! ) and they can't re-open because it has been more than 180 days. 

The XXXX statement still has a credit limit on it, which is less than 180 days ago, so the person on the phone is obviously telling a lie. Also I didn't close the account!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Report : XXXX XXXX XX/XX/2020 )

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 2022-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2022-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
XX/XX/2021 US XXXX XXXX of Washington amount {$140.00} XX/XX/2021 XXXX XXXX XXXX XXXX XXXX amount {$99.00} These 2 companies have fraudulent collection accounts on my XXXX XXXX XXXX and transunion rereports. Im reqiesting these 2 companies provide proof of these accounts with my legal wet signature

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 2022-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
XX/XX/2021 XXXX XXXX XXXX of Washington amount {$140.00} XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX {$99.00} These 2 companies have fraudulent collection accounts on my XXXX XXXX experian and XXXX rereports. Im reqiesting these 2 companies provide proof of these accounts with my legal wet signature

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 2022-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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 non-monetary relief
Consumer complaint received 2022-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am writing this letter out of pure frustration and anger. For the last two years I have been disputing incorrect late payments on my credit report from all 3 credit agencies. They have continuously ignored the errors of late payment history to only update the accounts as paid and closed. Their own credit report shows the inaccuracies in payment history and supplier remarks. These accounts have been paid and closed since XXXX of XXXX. Most of them are more than 6 years old. The incorrect late payments have re-aged this account and caused severe damage to my credit file and score for over 4 years. 

Here are just some of the errors being reported by all three bureaus : XXXX. Incorrect start date. 2. Incorrect last verified date. XXXX. Incorrect last payment date. XXXX. Incorrect closed date. XXXX. Incorrect account status. XXXX. Account number is not visible and complete. XXXX. The creditor name is abbreviated. XXXX. The supplier/creditor information is incorrect. XXXX. Late payment history is physically impossible. XXXX. Remarks shown of late payment information is impossible. These accounts need to be deleted from my credit file at once. 

I have attached copies of the most recent disputes I have sent to each agency, I have also attached their responses or lack thereof. XXXX has continued to update comments with paid and closed while ignoring the late payment history errors. TransUnion has completely ignored my dispute and has never responded to any dispute. XXXX has deleted all but one of the incorrect late payments and ironically left one showing 120 days late, with the month prior as showing current. I have attached screenshots of how they continue to report these accounts inconsistently and inaccurately. 

I would appreciate that this bureau actually enforces the FCRA in concern of this matter. The only resolution is deletion. I have spoken with the supplier on XX/XX/XXXX and they have assured me there are no late payments they are reporting to any reporting agency. Unfortunately since that phone conversation they are no longer servicing these accounts and havent since XX/XX/XXXX. Any response given by the agencies stating these accounts were verified in XX/XX/XXXX is a flat out lie.

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 2022-01-19 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: IN

Complaint narrative:
I am writing this letter out of pure frustration and anger. For the last two years I have been disputing incorrect late payments on my credit report from all 3 credit agencies. They have continuously ignored the errors of late payment history to only update the accounts as paid and closed. Their own credit report shows the inaccuracies in payment history and supplier remarks. These accounts have been paid and closed since XXXX of XXXX. Most of them are more than 6 years old. The incorrect late payments have re-aged this account and caused severe damage to my credit file and score for over 4 years. 

Here are just some of the errors being reported by all three bureaus : XXXX. Incorrect start date. XXXX. Incorrect last verified date. XXXX. Incorrect last payment date. XXXX. Incorrect closed date. XXXX. Incorrect account status. XXXX. Account number is not visible and complete. XXXX. The creditor name is abbreviated. XXXX. The supplier/creditor information is incorrect. XXXX. Late payment history is physically impossible. XXXX. Remarks shown of late payment information is impossible. These accounts need to be deleted from my credit file at once. 

I have attached copies of the most recent disputes I have sent to each agency, I have also attached their responses or lack thereof. XXXX has continued to update comments with paid and closed while ignoring the late payment history errors. XXXX has completely ignored my dispute and has never responded to any dispute. Equifax has deleted all but one of the incorrect late payments and ironically left one showing 120 days late, with the month prior as showing current. I have attached screenshots of how they continue to report these accounts inconsistently and inaccurately. 

I would appreciate that this bureau actually enforces the FCRA in concern of this matter. The only resolution is deletion. I have spoken with the supplier on XX/XX/XXXX and they have assured me there are no late payments they are reporting to any reporting agency. Unfortunately since that phone conversation they are no longer servicing these accounts and havent since XX/XX/XXXX. Any response given by the agencies stating these accounts were verified in XX/XX/XXXX is a flat out lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
After repossession of my vehicle, there was a XXXX  State Predatory Lending Class Action Settlement against Santander Consumer USA where Santander agreed to relieve consumers of owed debts. I purchased my vehicle in XX/XX/XXXX, and it was repossessed in early XXXX at the height of the Covid-19 Pandemic. 
As you can see in the attachments, Santander settled the case in early XXXX. According to the agreement, my debt was to be forgiven and the account removed from my credit report. Because of what they agreed to in the settlement, this has now become a violation of my rights as a consumer and needs to be corrected within 30 days of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: CA

Complaint narrative:
My credit report is reporting inconsistencies. Please see explanation and accounts attached.

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 2022-01-19 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:
Equifax is reporting XXXX accounts are open when the accounts are closed. These accounts are paid. The XXXX accounts have deducted XXXX points from my fico score. Equifax continues to report these accounts as derogatory and they are not which hinders my fico score from ever increasing and keeps it in a negative status. These accounts have been stuck with this sinceXX/XX/XXXX to present.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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:
Equifax is reporting 40 accounts are open when the accounts are closed. These accounts are paid. The 40 accounts have deducted XXXX points from my XXXX  score. Equifax continues to report these accounts as derogatory and they are not which hinders my XXXX  score from ever increasing and keeps it in a negative status. These accounts have been stuck with this since 2017 to present.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MoneyLion Inc.
State: CA

Complaint narrative:
On the night of XX/XX/2021, I logged into my Moneylion bank account to find that my balance was at {$0.00}. Around {$9000.00} was missing from my acct. I immediately called customer service and the representative went over numerous multiple back to back charges at gas station/convenience stores located in or around XXXX, Ca. I have never been to that area of California and over the past XXXX I havent gone further than XXXX away from my home in XXXX XXXX XXXX Ca XXXX My debit card has also never left my possession nor does anyone have access to it. Due to Covid the number of people I see on a daily basis is extremely limited and my debit card has never left my possession. I still have my debit card that has since been deactivated. I asked the representative for detailed statements detailing all the unauthorized charges because I was only able to view very limited details through the app and only about the past 20 or so transactions. She stated I could get detailed statements through the fraud dept and she emailed me fraudulent charges paperwork to be filled out and returned, which I returned immediately. On XXXX XXXX 2021 I received an email stating that the paperwork I filled out and sent as an attachment in an email, could not be opened and that I needed to resubmit paperwork as a PDF file. On XXXX 2021 I resubmitted the paperwork as a PDF. I resubmitted paperwork on XXXX XXXX and I sent a separate email to the fraud dept. explaining that I had resubmitted the paperwork and I would like confirmation and that I would also need to see my detailed statements. On XXXX XXXX I received confirmation that my paperwork was received. At the time I filed police reports with the XXXX XXXX PD and also with Police dept in XXXX, Ca using the details I could remember from the initial phone call to report the unauthorized charges. I was told on the intial phone call that I would receive provisional funds within 10 business days. After 10 business days I began calling because I had not received my funds back into my account. Numerous days I sat on hold for over an hour and when it reached XXXX my time, I would be hung up on or transferred to general customer service because the fraud dept was now closed. I work XXXX and was having to miss work to make these phone calls. On XXXX XXXX at approx XXXX I got through to someone in the fraud dept. who verified my paperwork had been received but due to it being the end of the day he would have to return a call to me in the morning. I never received a call, at this point Im at a loss. XXXX was ruined as I had no money, that money was every dime I had been saving up and its gone and I have zero faith in getting it back at this point. A coworker suggested I try to get help through CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation