vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-20 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: NC

Complaint narrative:
Reference : XXXXXXXX XXXX XXXXXXXX acct # XXXX ; CFPB XXXX ; NC DOJ XXXX XXXX XXXX, POC NC DOJ Consumer Protection Specialist XXXX XXXX ; and XXXX XXXX XXXXXXXX XXXX XXXX XXXX POC XXXX XXXX XXXXXXXX Regulatory Resolution Specialists XXXX XXXX and XXXX XXXX. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I notified XXXX, Equifax, XXXX, and XXXX XXXX XXXX that I recognized incomplete and inaccurate information pertaining to my credit report and requested a re-investigation. The results were verified as accurate despite my countless attempts to resolve the concern. XXXX XXXX  XXXX Regulatory Resolution Specialist XXXX XXXX called me on XX/XX/XXXX around XXXX pm est to discuss the complaints I filed with the CFPB and NC attorney generals office. She confirmed XX/XX/XXXX payment indeed was not 30 days late, and they were in receipt of payment as of XX/XX/XXXX, which means XXXX  XXXX XXXX, XXXX, Equifax, and XXXX were in violation of 15 USC 1681s-2 ( a ) ( 1 ) ( A ) and 15 USC 1681s-2 ( a ) ( 1 ) ( B ). In fact, she also confirmed the accommodation [ defined by 15 USC 1681s-2 ( a ) ( 1 ) ( F ) ( i ) ( I ) ] I received from XXXX XXXX XXXXXXXX was honored and in effect during the timeframe I was reported 30 days late after they were in receipt of federal/state funds from Crisis and North Carolina Homeowner Assistance Fund ( NCHAF ) in XXXX. The funding was given due to my being affected by Covid-19. According to 15 USC 1681s-2 ( a ) ( 1 ) ( F ) ( i ) ( ( II ) ( ii ) ( I ), XXXX XXXX XXXX violated my rights by inaccurately reporting this account as 30 days late XX/XX/XXXX and XX/XX/XXXX. Lastly, I previously provided copies of my ID, SS card, and utility bill to each credit reporting agency and requested my personal information be corrected. However, there are still multiple errors, such as variations or misspellings of my name, multiple addresses or errors to my addresses, and my employer information. I contacted each of my creditors, who advised me they had my correct legal name and address. These errors have caused me so much anguish and damage, such as having to pay thousands of dollars in interest, being denied credit, being denied the ability to refinance, and much more. Had XXXX, Equifax, and XXXX completed a VALID re-investigation, this would not have affected me as greatly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Reference : XXXX XXXX XXXX  acct # XXXX ; CFPB XXXX ; NC DOJ File XXXX XXXX, XXXX NC DOJ Consumer Protection Specialist XXXX XXXX ; and XXXX XXXX XXXXXXXX Case XXXX XXXX XXXX XXXX XXXXXXXX XXXX Regulatory Resolution Specialists XXXX XXXX and XXXX XXXX. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I notified XXXX, XXXX, Experian, and XXXX XXXX XXXX that I recognized incomplete and inaccurate information pertaining to my credit report and requested a re-investigation. The results were verified as accurate despite my countless attempts to resolve the concern. XXXX XXXX XXXXXXXX Regulatory Resolution Specialist XXXX XXXX called me on XX/XX/XXXX around XXXXXXXX XXXX est to discuss the complaints I filed with the CFPB and NC attorney generals office. She confirmed XX/XX/XXXX payment indeed was not 30 days late, and they were in receipt of payment as of XX/XX/XXXX, which means XXXX XXXX XXXXXXXX, XXXX, XXXX, and Experian were in violation of 15 USC 1681s-2 ( a ) ( 1 ) ( A ) and 15 USC 1681s-2 ( a ) ( 1 ) ( B ). In fact, she also confirmed the accommodation [ defined by 15 USC 1681s-2 ( a ) ( 1 ) ( F ) ( i ) ( I ) ] I received from XXXX XXXX XXXXXXXX was honored and in effect during the timeframe I was reported 30 days late after they were in receipt of federal/state funds from Crisis and North Carolina Homeowner Assistance Fund ( NCHAF ) in XXXX. The funding was given due to my being affected by Covid-19. According to 15 USC 1681s-2 ( a ) ( 1 ) ( F ) ( i ) ( ( II ) ( ii ) ( I ), XXXX XXXX XXXX violated my rights by inaccurately reporting this account as 30 days late XX/XX/XXXX and XX/XX/XXXX. Lastly, I previously provided copies of my ID, SS card, and utility bill to each credit reporting agency and requested my personal information be corrected. However, there are still multiple errors, such as variations or misspellings of my name, multiple addresses or errors to my addresses, and my employer information. I contacted each of my creditors, who advised me they had my correct legal name and address. These errors have caused me so much anguish and damage, such as having to pay XXXX  of dollars in interest, being denied credit, being denied the ability to refinance, and much more. Had XXXX, XXXX, and Experian completed a VALID re-investigation, this would not have affected me as greatly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing to seek your urgent assistance in addressing a critical issue I have been facing with my credit report on the Experian website, which has severely impacted my FICO score. 

On XX/XX/XXXX, I observed an abrupt and unexplained drop in my FICO score on the Experian website, plummeting by XXXX points, from XXXX to XXXX. Disturbed by this significant reduction, I immediately sought to identify the cause by reviewing the information provided on the Experian website. To my surprise, the website indicated that one of my accounts had been reported as 60+ days past due. However, it did not specify the name or details of the account in question. 

In my attempt to resolve this matter, I promptly downloaded my detailed credit report from the Experian website to investigate further. To my relief, I discovered that all of my accounts were, in fact, in good standing, and there was no evidence of any overdue payments. I want to emphasize that I have never missed a payment on any of my accounts throughout my financial history. 

Despite my repeated efforts to dispute this inaccurate derogatory entry with Experian, I have encountered significant hurdles. Experian 's response has consistently been that they can not assist me because the credit report does not specify the account responsible for the past-due status. This has resulted in a frustrating cycle of unproductive interactions, leaving me with no viable means to have this erroneous entry removed from my report. 

To verify the accuracy of this derogatory remark, I cross-referenced my credit information with XXXX and XXXX, both of which confirm that there is no such entry on their reports. My credit scores with these agencies remain excellent, consistently above XXXX, with all accounts reported as being in good standing. 

Given the substantial adverse impact this inaccurate derogatory remark has had on my credit score, I urgently request your intervention and assistance in rectifying this situation. The unjustified decline in my creditworthiness has far-reaching consequences, including potential difficulties in obtaining financing or other financial transactions. 

I am more than willing to provide any additional documentation or information necessary to facilitate a prompt resolution to this matter. Your intervention in helping me navigate this issue and ensure the removal of this erroneous entry from my Experian credit report would be greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
I was charged {$31000.00} for a XXXX XXXX in XXXX I was unaware of all the hidden and extra fees and then Covid 19 pandemic hit This company is involved in several lawsuits regarding this issue

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are many inquires that I did not authorize at all. My information was used fraudulently to apply for credit. Please assist to remove these fraudulent inquiries from my credit report. 

Fraudulent inquiries as follows : XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/2023 XXXX XXXX XXXX XXXX Inquired on XX/XX/2023 2023

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 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: TN

Complaint narrative:
Experian consumer report reflects XXXX different charge off dates with XXXX XXXX XXXX. XXXX XXXX XXXX is reporting on several different dates as charge off dates when it should only reflect XXXX charge off date or Experian is reporting this false and inaccurate information in my credit report. My Experian report also states that XXXX XXXX has written off this debt per my Experian report. If so, this account should not reflect a balance ( maybe a past due amount but not a balance ). Also, if XXXX XXXX has written off this debt they was suppose to provide me with a 1099 tax form so that I can or could have file this debt with the IRS. I have already check my account with IRS.gov and checked all transcripts from XXXX and it does not have anything from or for XXXX XXXX XXXX XXXX Either way this does not meet the FCRA regulations and/or guidelines. This is consider false reporting. Report is attached to validate this errors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: FL

Complaint narrative:
I have already filed a report with the Federal Trade Commission ( FTC ) concerning the unauthorized reporting of my personal information, which I believe amounts to identity theft. The FTC has provided me with a reference number for this report, which is [ XXXX ]. 


Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRES XXXX open date XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 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:
I have already filed a report with the Federal Trade Commission ( FTC ) concerning the unauthorized reporting of my personal information, which I believe amounts to identity theft. The FTC has provided me with a reference number for this report, which is [ XXXX ]. 


Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRES XXXX  open date XX/XX/

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: WI

Complaint narrative:
As stated earlier I went to US Bank to see why my social security check had not been received.The teller checked and told me she did not see a direct deposit today from social security. I left the bank and went to the local social security office. The person who assisted me ran a print out that verified with a trace # XXXX that showed that the bank and received the check and it had been processed. I went back to the bank and asked to speak with a banker and someone came out to assist me After speaking with a banker I was told that a hard hold was put on my account because I filed a XXXX  XXXX. I have a debit card with US Bank located at XXXX XXXX XXXX XXXX, XXXX, Wisconsin, not a credit card. I am trying to find out why would it be necessary to put a hard hold on my account. I am the owner of that checking account. This too can be verified. 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 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
Bridgecrest Finance company keeps opening and closing my charged off account since 2021 so that my account will keep it active and updated on my credit report abusing the system to keep opening and closing the account. Everything they closed it each month it drops my score and restarts the statute of limitations on the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal 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 2023-09-20 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian without reason and without my consent removed the student loan accounts from my credit report. Nobody authorize Experian to remove the accounts. These accounts are part of my credit history and they need to be reinstated with the right balance. THE ACCOUNT WERE ON GOOD STANDING AND WERE CLOSED ON XX/XX/23 AND SHOULD STAY ON MY REPORT FOR 10 YEAR ACCORDING TO Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: AZ

Complaint narrative:
I purchased the vehicle XX/XX/XXXX used online from XXXX dealership. I arrived at dealership received keys signed and left. Within 45 days the car began to have problems. First breakdown was in Utah since I had a warranty I used that to tow the vehicle to dealership they fixed. I work for door dash delivery so was stuck without a vehicle for days. Contacted bank they said it's fine just make payment don't worry if late. XXXX was bad gas was too high fell behind on payments. XX/XX/XXXX through XX/XX/XXXX transmission was gone. I was stranded in California for a month waiting for warranty to kick in. Can't work again and now borrowing money for hotels, food and transportation because warranty only covered XXXX. Went to AZ for a job offer and on XX/XX/XXXX car was gone. I contacted local police they told me was repossessed. I attempted to contact Santander to receiving no replies, documents by mail, or personal property in the vehicle. I checked my credit XX/XX/XXXX it said Santander wrote off the loan then this month I checked credit again and loan was reduced to XXXX from XXXX so basically I guess the car was sold for the difference. Now my credit is ruined because the car was a lemon that had over XXXX different owners I didn't know this until later. Santander Bank has reached a {$550.00} XXXX dollar settlement with XXXX states to settle predatory loan charges to low-income and subprime customers. This was absolutely a predatory loan and second they failed to return my property or provide me any documentation. I worked for XXXX and my other vehicle brokedown so I needed a car. They never even asked for proof of employment I thought it was my XXXX credit score that helped me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
Can XXXXXXXX XXXX  XXXX Legally Launch Nuclear Missiles at Planets and Put The Corona Virus in the XXXX XXXX Because XXXX XXXX XXXX XXXX XXXX XXXXs XXXX all my money and XXXX Bank lawyers say its imposable to comprehend Chase Bank 5 times this Week Lock XXXX out of online banking so all credit XXXX XXXX XXXX Chase Bank Block 100 % all ACH Transfers to XXXX XXXXXXXX XXXX XXXX XXXX. 

Chase Bank XXXX XXXX ( XXXX ) to XXXX XXXX XXXX XXXX so XXXX said to remove the XXXX  from name and would work ////// XXXX Chase bank worked while XXXX XXXX Chase Bank transfer XXXX XXXX XXXX XXXX could not Verify XXXX and Maliciously Chase Lock XXXX Accounts and say walk into a Chase Bank with XXXX forms ID XXXX XXXX Would have to Take and Airplane or Buss to Chase Bank //////////// Chase Fraud departments give zero help with transferring money out of the Bank /////////////////////////////////////// Calling Chase Bank executive office said XXXX XXXX XXXX XXXX XXXX and XXXX XXXX where handling my Compliant so i called them 5 Days with zero response nobody told me there where Handling the Consumer Finance Compliant so I should have 100 % never called them //////// Purchase {$1800.00} as XXXX XXXX and XXXX XXXX wanted me to Call the bank to Approve Transaction was approved then my next XXXX online Credit Card Purchase all declined everyone suspect me of Fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I spoke with XXXX at Experian Legal Department today. He stated he will dispute an address which is removed XXXX XXXX XXXXXXXX XXXX XXXXXXXX WA XXXX. 

I have not supplied proof under the doctrine of estopper by silence, Engelhart v. Gravens ( mo ) 281 SW 715,719, 1 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 2023-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
In XXXX of XXXX, I requested a credit line increase with Chase. It was approved and life went on. I was still able to use and pay off my credit card balance each month. On XX/XX/XXXX, I had a purchase for less than {$10.00} declined by Chase. I called in to see why and found out they had set my credit limit to {$0.00} and further violated federal law by failing to notify me of the adverse credit action. 

Setting my credit limit to {$0.00} affected my credit score as if I had closed a credit account. No one at Chase could or would explain why this happened when they had approved a credit line increase in XXXX. I continued to persist and they finally connected me with their executive office, where I was told it was quite possibly a human keying error when the credit line was being adjusted up. Therefore, Chase basically admitted that they don't have proper financial controls for customers accounts and any person updating credit limits could erroneously set someone's credit limit to {$0.00} or moreover a bad actor could maliciously change customers ' credit limits with zero consequence due to their lack of financial controls to detect these errors. In the least, one would think they would send out notification of the adverse credit action on someone's credit limit - especially in this inflammatory economy where everyday Americans are struggling with the rising cost of living and rely on their credit cards to fill the wage gap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.

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