vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-16 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 ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
The auto company credit acceptance corporation is showing me 180 to 190 days past due on my auto loan theyre showing XXXX XXXX XXXX all to be 180 days late I have it set up on auto pay from my bank to pay the loan.its due on the XXXX of the month I pay it on the first of the month every month it is not late and its killing my credit report.back in Covid when it was really heavy on my job I was injured so the company said they will not charge late fees and they put the Covid months on the end of my note supposedly so when I got back on my feet and I started making my car payments again I thought I was making for the month I was in apparently Im not there showing it past due XXXX I paid it on the first theyre saying Im late the same for XXXX XXXX Ive been paying two weeks early on my car loan for since XXXX my car payment for XXXX a month I pay XXXX a month I dont know what to do they wont fix the problem on my credit report and every time I asked credit reporting bureaus to dispute this and check it about two days later they say they have reached a decision and it has been updated so I just dont know what to do

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 2022-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act the following companies have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602A. states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an 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 2022-04-16 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: FL

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.

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 2022-04-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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: AMERICAN PACIFIC MORTGAGE
State: MO

Complaint narrative:
On XX/XX/15, a company by the name of XXXX XXXX XXXX XXXX placed a hard inquiry on XXXX credit profile from the requested party : AP Mortgage. I did not give written or verbal authorization to run my credit report at anytime.

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 2022-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Unauthorized solicitation to other parties. Score fluctuation without just cause.

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 2022-04-16 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. I am having problems with this unfair treatment. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account 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 non-monetary relief
Consumer complaint received 2022-04-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My savings account at Bank of America, which has 3 names in one family was suddenly frozen without any warning. I immediately ( within days! ) went to the branch and the manager said that an " XXXX update '' was needed on one of the account holders. On that day the contact information of the individual was updated at the branch but the freeze could not be fixed in the bank, and the account holder had to call a XXXX number. The account holder did so and was told that although all was in order now, it was " too late '' as the bank had already decided to close the account and send the remaining funds to us via check. This account was opened over 30 years ago ; moreover, the account had 3 names and in case they first tried to contact the deficient party, they could and should have tried to reach the other 2 " OK '' parties and warn them about an impending freeze, so the problem could have been quickly solved.

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 monetary relief
Consumer complaint received 2022-04-16 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: OH

Complaint narrative:
There is a balance on my transunion credit report that should reflect as it has been mark as charge off and is over {$600.00}. Yet Im still getting ding for it! Unacceptable and feels 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 2022-04-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hi, my name is XXXX XXXX. 

I have contacted Experian six times now about XXXX XXXX XXXX. Experian is still reporting this account as an open with a balance. In Fact, This is a closed account and there is no balance due. I have attempted many times to solve this on my own with this company. Three online disputes was sent on XX/XX/2022, XX/XX/2022, and XX/XX/2022. I have also sent two letters on XX/XX/2022 and XX/XX/2022. I have also called and spoke with agent XX/XX/2022 to let them know that they are only updating wrong information. Nothing has been done at all. 

I have reason to believe that Experian is now willfully ignoring the fact that they have reported incorrect information on my consumer profile. I am DEMANDING that this is remove ASAP the incorrect information from 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 2022-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
They cost me membership twice and now my bank overdrawl and bank fee add on it.. No way to call them cause XXXX.. it should be open on XXXX  and XXXX  but they changed closed on XXXX.. also other I applied two XXXX  for loan new one.. they send to many different lenders without my permisson.. now i have bad hard injuriries.. that hurt my score..

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 monetary relief
Consumer complaint received 2022-04-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Good evening i have new exhibits to submit. i am requesting the description of reinvestigation of the procedure from Equifax who claim these accounts are verified im currently being violated by Equifax! they have violated my rights under 15 usc 1681 1. 15 usc 1681 ( a ) ( 1 ) 2. USC 1681 ( a ) ( 2 ) 3. 15 USC 1681a ( 3 ) 4. 15 USC 1681a ( 4 ) 5. 15 USC 1681b ( 2 ) please help me make sure im getting a just and fair reinvestigation into my concerns! please remind them they have 15 days! thank you or shall permanently remove these accounts!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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: EQUIFAX, INC.
State: OH

Complaint narrative:
There is a balance on my transunion credit report that should reflect as it has been mark as charge off and is over {$600.00}. Yet Im still getting ding for it! Unacceptable and feels XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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: OH

Complaint narrative:
There is a balance on my XXXX  credit report that should reflect as it has been mark as charge off and is over {$600.00}. Yet Im still getting ding for it! Unacceptable and feels 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 2022-04-16 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: EQUIFAX, INC.
State: NC

Complaint narrative:
These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. I am having problems with this unfair treatment. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act the accounts listed below have 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 an account without my written instructions. 

Accounts Violating My Rights : - XXXX XXXX - Account # XXXX - XXXX XXXX - Account # XXXX - XXXX XXXX - Account # XXXX - XXXX XXXX XXXX XXXX - Account # XXXX - XXXX XXXX - Account # XXXX - XXXX XXXX - Account # XXXX - XXXX XXXX - Account # XXXX - XXXX XXXX XXXX  - Account # XXXX - XXXX XXXX XXXX - Account # XXXX - XXXX XXXXl XXXX Account # XXXX - XXXX XXXX XXXX Account # XXXX - XXXX XXXX XXXX Account # XXXX - XXXX  XXXX XXXX Account # XXXX - XXXX XXXX - Account # XXXX - XXXX XXXX  - Account # 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 2022-04-16 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act the following companies have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602A. states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an 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 2022-04-16 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2022-04-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Easy Finance, LLC
State: TX

Complaint narrative:
I emailed Stepstone Credit in XXXX, TX on XXXX XXXX and let them know the application was a fraud and I had filed a police report. They continue to processes the application. I have my emails letting them know and so do the police department. 

My identity has been stolen and they are going to all fast cash places. 

I was able stop another payday loan company from processes the application and have that email. They were willing to work with me. 

XXXX XXXX had collection agency put a lien on my credit report. I was able to prove it wasn't me. At that time they didn't have my date of birth. They do now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Unable to get free annual credit report from Equifax through XXXX. I have used this process for years without issue. When asking for the report from Equifax this time, it asked for a phone number and email, which has never been necessary previously. When I click the link provided to forego this step and request by phone or mail, I get an error on their website and no information is provided. When I enter my phone numbee and email, it indicates they can't process my request and tells me to call, but they provide no phone number on the page.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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: AES/PHEAA
State: FL

Complaint narrative:
In XXXX of XXXX I called and was given an extension on my student loans thru fed loan servicing. I was impacted by the hurricane in my area of florida. This hurricane hit us on XX/XX/2019 snd fema declared it a Major Disaster on XX/XX/2019. Florida Hurricane Dorian ( DR-4468-FL ). Here is the official website : https : //www.fema.gov/disaster/4468 I was told by phone and have since contact the company by several more calls and then here again, as well as previously in writing. This same call I was also sent a loan discharge application that i returned and was told I would here back from. I never got the status update on this either. Please advise. I can not get them to correct it thru XXXX XXXX  or agency oversite complaints. I saved the recorded phone call but i dont want to make a court issue out of this if it can be corrected. Farthermore since i have been impacted by XXXX and XXXX since. Yet again i ask that fedloan servicing please retroactivate and correct the previous extension granted on my student loan payments from XX/XX/2019 on all 3 of my credit reports. Please also send me a letter daying that the missed payment on XXXX of XXXX was removed as well. Its been an unreasonable amount of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The auto company XXXX XXXX XXXX is showing me 180 to 190 days past due on my auto loan theyre showing XXXX XXXX XXXX all to be 180 days late I have it set up on auto pay from my bank to pay the loan.its due on the XXXX of the month I pay it on the first of the month every month it is not late and its killing my credit report.back in Covid when it was really heavy on my job I was injured so the company said they will not charge late fees and they put the Covid months on the end of my note supposedly so when I got back on my feet and I started making my car payments again I thought I was making for the month I was in apparently Im not there showing it past due XXXX I paid it on the first theyre saying Im late the same for XXXX XXXX Ive been paying two weeks early on my XXXX  loan for since XXXX my car payment for XXXX a month I pay XXXX a month I dont know what to do they wont fix the problem on my credit report and every time I asked credit reporting bureaus to dispute this and check it about two days later they say they have reached a decision and it has been updated so I just dont know what to do

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The auto company XXXX XXXX XXXX is showing me 180 to 190 days past due on my XXXX  loan theyre showing XXXX XXXX XXXX all to be 180 days late I have it set up on auto pay from my bank to pay the loan.its due on the XXXX of the month I pay it on the first of the month every month it is not late and its killing my credit report.back in Covid when it was really heavy on my job I was injured so the company said they will not charge late fees and they put the Covid months on the end of my note supposedly so when I got back on my feet and I started making my car payments again I thought I was making for the month I was in apparently Im not there showing it past due XXXX I paid it on the first theyre saying Im late the same for XXXX XXXX Ive been paying two weeks early on my car loan for since XXXX my car payment for XXXX a month I pay XXXX a month I dont know what to do they wont fix the problem on my credit report and every time I asked credit reporting bureaus to dispute this and check it about two days later they say they have reached a decision and it has been updated so I just dont know what to do

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