vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Never removed late payments. 
I recently recived a copy of my credit report, and I noticed some late payments posted on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX Your company is in clear Violation of the law, Under 15 USC s1681b-permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) In General Subject to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instruction to furnish this on my credit report?

Furthermore, the Fair Credit Reporting Act 15 USC s1681 ( 2 ) ( s ) ( i ) Exclusions from a consumer credit report Clearly states.

( 2 ) Exclusions-Except as provided in paragraph ( 3 ) the term consumer report does not include- ( A ) Subject to section 1681s-3 of this title any- ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Delete the above late payments accounts from my consumer report, this agency is in violation of 15USCs1681.

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 2022-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/2022 I was issued a refund of XXXX to my bank card, and was told I should receive it within 10 business days. Within those 10 business days I received a text someone made a transaction with my bank card, it asked if I authorized the transaction and I replied No, Chime still let the transaction go through so I called them complaining and the agent said he would replace my card but failed to let me know it would affect any processing refunds, so I eventually contacted XXXX because I was wondering why I havent received my refund which was on XX/XX/2022. They informed me the refund failed and I asked is it possible because my card number changed and they said yes so I would have to have chime refund me instead because they cant refund a card the item wasnt purchased with, so I contacted chime immediately and was told they have to dispute it and they cant immediately refund me but was told by 2 supervisors from Chime that I would receive a temporary credit by the 10th business day, I even have an email from chime stating on XX/XX/2022 my account would be credited, I called them today and now theyre saying disregard the email, I have to wait for the fraud department to finish investigating but Ive submitted all the screenshot between XXXX supervisor chatting, also the emails from XXXX confirming the refund but and I have multiple emails from chime saying Ill receive temporary credit by the 10th business day and now theyre saying they cant.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: DISCOVER BANK
State: CA

Complaint narrative:
HAVING BEEN RECEIVING PHONE CALLS FROM DISCOVER CARD, TOLD THEM NOT INTERESTED AND HANG UP ... XXXXYESTERDAY RECEIVED A CARD AND TERMS OF BENEFITS OF MY UNSOLICITED CARD ... ALSO STATES ON TERMS IF NOT CANCELLED IT IS IN EFFECT. THIS IS VERY POOR PRACTICE AND SURPRISED A WELL KNOWN COMPANY WOULD ALLOW THIS PRACTICE. WE DID NOT APPLY FOR ANY CREDIT CARD, DO NOT WANT IT AND RESENT CALLS FROM THEM. I WILL SEND THEM NOTICE OF CANCELLATION BUT DO NOT BELIEVE THAT SHOULD BE NECESSARY ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There is information on my reports which are causing financial harm to me and my family. These accounts are never late & I have sent out dispute to each of the three Credit Bureaus in an attempt to receive update of the following items. 

XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : 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 non-monetary relief
Consumer complaint received 2022-12-16 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: NJ

Complaint narrative:
There is information on my reports which are causing financial harm to me and my family. These accounts are never late & I have sent out dispute to each of the three Credit Bureaus in an attempt to receive update of the following items. 

XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : 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 2022-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
FOR THE PAST SEVERAL WEEKS, EXPERIAN HAS DISALLOWED ME ACCESS TO MY CONSUMER PROFILE FOR DISPUTING INACCURACIES AND MISINFORMATION WHICH IS RESULTING IN DENIAL AND USE OF THE ACCOUNT. WE ARE BEING FORCED TO UTILIZE THE CFPB PORTAL FOR REPORTING ALL INACCURACIES. CFRA VIOLATIONS, CONTINUED ABUSIVE PRACTICES. CONTINUED ERROR MESSAGES REGARDLESS OF THE DAY AND TIME.

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 2022-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Fresh Holdings Inc
State: DE

Complaint narrative:
I have made all payments on time ( less than 30 days late ) but the company decided to the report to the account 30 days late. XXXX was due on the XXXX of XXXX, and I made a payment on XXXX of XXXX which is obviously less than 30 days. XXXX different payments were due on the XXXX and the XXXX of XXXX, and I made the payment for both on the XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
This law firm is garnishing my wages- and I wasn't even notified. When I attempted to resolve the debt, I was directed to a website, given an account number, and told that I had to pay the amount in full and then my wages garnished would be refunded and a satisfaction of judgement issued within 30 days. When I went to pay the debt online, first of all, it would not accept the file number given to me, and the directions say to include the hyphen. I tried twice in a week, and finally, tried without the hyphen and it was accepted. I tried to pay the entire debt amount that was given to me over the phone with my company debit card. This is my company that I own, and there is plenty of funds in that account. I was given an XXXX  error ... .when I called and spoke with a XXXX XXXX XXXX he said that he called the XXXX department and said my address did not match what was on file with my card. This is the only address I ever use, and I've lived there for 10 years. There's no other address. Right before this call, I attempted to pay bills with this card and had no problems doing so. I was told that if I didn't pay with a debit card, it could take XXXX days to process and then I would have to wait another XXXX days for them to stop the garnishment and another 30 days to wait for my refund and satisfaction of judgement. So he proceeds to tell me that I could pay on the site using the checking account method. The instructions say that it will take XXXX days for processing, but if I needed it processed quicker to call. I also tried to pay this way, and it wasn't being accepted either. So I called back and had this same man take the information over the phone. I then learn that my balance grows by XXXX each day. So perhaps the amount was the issue in accepting payment. Regardless, this firm is making it nearly impossible to settle this debt. I have waited on hold for over an hour, and I don't have that amount allotted in my workday for that. I feel this firm is engaged in predatory practices that only make it more difficult on the debtor. It shouldn't be that hard to pay this online or contact someone over the phone who could resolve this in a matter of minutes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-16 00:00:00
Product: Credit reporting, credit repair services, 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: OH

Complaint narrative:
Upon checking my credit report, Ive noticed some unauthorized & unverified inquiries according to the FCRA legally, these items must be removed from my credit report 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 2022-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: DE

Complaint narrative:
Debt collection agency ( XXXX  ) calling every day, often more than once a day from different numbers to not only personal phone but also spouses phone who is not linked to any account with the company claiming there is a debt. Unsure of how they found her phone number as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: CREDIT CONCEPTS, INC.
State: OR

Complaint narrative:
Finances used XXXX XXXX XXXX in XX/XX/XXXX. There were problems with vehicle at test drive. Was told by sales person that they would make repairs to vehicle ( transmission and clutch ) the coming weekend. I tried to get vehicle in almost daily for the next 9 months and was given an excuse wash time I asked to bring it in. I was promised by salesman that they would adjust and repair any problems with clutch it transmission the next evening and at latest the coming weekend. I paid on time for 9 months while trying to get car into their repair shop and then one day three cars transmission head internal failed unspecified and broke down was undriveable.. I towed it to repair shop and ward told it needed a new transmission and that the one that was in it was faulty and would have broke down now matter what. I then contacted city auto wholesale to explain and they put me in an old XXXX mold filled case which gave me respiratory distress even with a mask on. My husband is now being garnished for an amount exceeding {$12000.00} XXXX on XXXX loan that was closed at its high if XXXX in XXXX. I had made all payments on time for 10 months. Even 1 ninth after break down and stop making payments when I knew that the cat loot was not going to make it right. They repossessed three car in the 11th ninth after date of financing, sold vast for XXXX at auction to another sector. In their firm ( credit concepts, XXXX XXXX in XXXX of XXXX and stated collection egrets on the original loan admit and note then XXXX interest. They garnished my ostrich in XXXX and none of the garnished XXXX went towards the high balance or interest. Now they have added another another over XXXX interest to the closed account ( XXXX ) in excess of XXXX and are harnessing my husband 's wages for that amount. The account was charged off in XXXX. And closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Credit reporting, credit repair services, 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: AL

Complaint narrative:
XXXX XXXX - XX/XX/2021 Equifax XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX  - XX/XX/2021 Equifax XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 Equifax XXXX XXXX  XXXX XXXX  XX/XX/2021 XXXXXXXX XXXX XXXX XXXXXX/XX/2021 Equifax XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XX/XX/2021 XXXX I requested that they remove these unrecognized inquiries. I was treated rudely by one agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: NC

Complaint narrative:
See attached 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 non-monetary relief
Consumer complaint received 2022-12-16 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2022-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Never removed late payments. 
I recently recived a copy of my credit report, and I noticed some late payments posted on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX Your company is in clear Violation of the law, Under 15 USC s1681b-permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) In General Subject to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instruction to furnish this on my credit report? 
Furthermore, the Fair Credit Reporting Act 15 USC s1681 ( 2 ) ( s ) ( i ) Exclusions from a consumer credit report Clearly states.

( 2 ) Exclusions-Except as provided in paragraph ( 3 ) the term consumer report does not include- ( A ) Subject to section 1681s-3 of this title any- ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Delete the above late payments accounts from my consumer report, this agency is in violation of 15USCs1681.

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 2022-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: DE

Complaint narrative:
XXXX claiming there is an inaccurate debt owed that was already paid prior to services being terminated. Debt collection agency still calling multiple times a day attempting to collect a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have sent multiple dispute letters to the bureaus regarding the fraudulent account on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: OH

Complaint narrative:
XXXX XXXX is Reporting on My Credit Report with all 3 Bureaus # 1. False Information. Such as partial Account Number I can not look this Account up to See who it Belongs to with just a Few Numbers. # 2 Balance that they state is Owed to Them. # 3. How did they Get My Person Information I did not authorize this I Do not know who XXXX XXXX  Is. I have never had A Account with this Company XXXX XXXX XXXX. Account Number. - XXXX. - {$650.00} balance -and listing XXXX $ asa High Balance stating Factoring Company Account. I Contacted XXXX XXXX XXXX  that they have listed on my Credit Report as a Collection and they stated they are not Collecting for them that they do not have the Debt nor any Debt with my Name. 
XXXX XXXX XXXX Has added A Statement stating FCRA Dispute on my account after they stated it was Verified by the Credit Bureau to be Legal and Verified but would not tell me How or whom it was That they Verified with or how they Verified. I asked for all paperwork Containing to this Debt and it wasnt provided by XXXX or Transunion or XXXX. Why would they post a Balance and a High Balance on My Credit Report before Verifying that with me. Then a Few numbers as a Account Number that I cant look up. That is not Right at All. 
# 1 There is No Account Number for me to Investigate for my Self. # 2. Balance and High Balance listed as {$1000.00}. States XXXX XXXX. Whom states they do not have any information on this Debt. My Credit is Very Important to me and they Have Violated my Rights under FCRA. If I can seek Judgment for Damages I Would like to do So. This has Been Mentally and Physically Exhausting to Research and Again Damaging to my Livelihood and Mental Status

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 2022-12-16 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: AmeriCollect
State: FL

Complaint narrative:
I recently requested a copy of my credit report online and discovered that a Collection agency is reporting to my credit file by the name of AmeriCollect in the amount of {$72.00} I do not recall this account nor the origin of the alleged debt. Simply sending me a Statement claiming I owe this alleged debt is not proof of a valid claim. I would need to receive a true bill in order to respond in kind to this alleged claim. 

Meanwhile, this account created in my name and reported to my credit by AmeriCollect is causing me financial distress and undue XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Credit reporting, credit repair services, 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: OH

Complaint narrative:
Upon checking my credit report, I have noticed some on unauthorized & unverified items. According to the FCR a legally, these items must be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: OK

Complaint narrative:
On XX/XX/2022 I submitted a claim to my insurance company for an incident. This was a hit-and-run, as the vehicle that hit ran off and was never located by the police. My insurance company did the appropriate investigation but it took some time. My insurance deemed the vehicle a total loss. 

On XX/XX/2022 a full payment of XXXX was submitted to Nissan from XXXX. 

I made XXXX payments while the insurance was working on the claim. 

On XX/XX/2022 a payment of XXXX was sent. 
On XX/XX/2022 the remaining balance of XXXX was paid in full. This is when I was notified of the remaining balance. 

Throughout the entire process, I was in communication with Nissan letting them know I was working with the insurance company. 

I asked them to review my credit and look at all of my past loans that were paid off, none of them had any late or missed payments. This is when I realized Nissan had reported a late payment. Nissan did not have much to say but " I'm sorry about that but we can not help you. '' This has caused me to get denied from obtaining a new vehicle loan 3 times.

Company response to consumer: Closed with explanation