vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-06 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: VA

Complaint narrative:
On XX/XX/2022 I XXXX XXXX  XXXX on my own behalf sent a letter to each of the CRA ( Credit Reporting Agencies ) XXXX, XXXX, Transunion in regards to inaccurate and unverified accounts reporting on my consumer report. To date almost 45 days later I have not been notified either by mail or phone of the receipt of my letters. I feel like I am being taken advantage of and my disputes ignored. Section 611 ( a ) clearly states a failure to investigate any dispute in the appropriate time ( 30 days ) gives me the CONSUMER the right to request that these negative items be removed from my CONSUMER report. Well its been well over 30 days ( its been 45 ) so with that being said Im asking that these items be deleted PROMPTLY. I demand that these accounts be removed immediately or I will have no other choice then to have my lawyer file for litigation on this matter. In closing, my information was impacted by the XXXX and Transunion data breach which may have caused my information to fall into the hands of the wrong people/person ( s ).

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 2023-01-06 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: VA

Complaint narrative:
On XX/XX/2022 I XXXX XXXX  XXXX on my own behalf sent a letter to each of the CRA ( Credit Reporting Agencies ) XXXX, Experian, XXXX in regards to inaccurate and unverified accounts reporting on my consumer report. To date almost 45 days later I have not been notified either by mail or phone of the receipt of my letters. I feel like I am being taken advantage of and my disputes ignored. Section 611 ( a ) clearly states a failure to investigate any dispute in the appropriate time ( 30 days ) gives me the CONSUMER the right to request that these negative items be removed from my CONSUMER report. Well its been well over 30 days ( its been 45 ) so with that being said Im asking that these items be deleted PROMPTLY. I demand that these accounts be removed immediately or I will have no other choice then to have my lawyer file for litigation on this matter. In closing, my information was impacted by the XXXX and XXXX data breach which may have caused my information to fall into the hands of the wrong people/person ( s ).

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 2023-01-06 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: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
American Express is reporting inaccurate information on my consumer reports. 

In XX/XX/2022 I made of payment of {$140.00} and was offered a payment plan ( XXXX XXXX XXXX ) to settle my debt balance. On XX/XX/2022 I made an additional payment of {$120.00} as a down-payment for the payment program. The XXXX XXXX XXXX claims to offer the following : 1. Temporarily lower monthly payments and interest rates 2. Waive late payment fees 3. Prevent account from going further past due When I enrolled in the program my monthly payment was reduced to {$72.00} and interest rate lowered to 5.99 %. I've made all payments on time, however my interest rate has not been lowered, causing interest fees on my total balance at a rate higher than 20 %. I've also been charged late fees each month. My account is also still reporting as past due/late every month to all 3 major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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:
i have tried contacting XXXX, XXXX, and equifax various times within the past year challenging the 100 % accurate reporting of this charged off account being reported on my credit report ... each time they say that it is verified as accurate ... .how so? they are violating my consumer rights high credits do not match per bureau XXXX is reporting {$3900.00} XXXX is reporting {$3900.00} equifax is reporting {$3500.00} dates of last active do not match per bureau XXXX is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX equifax is reporting XX/XX/XXXX dates of last payment do not match per bureau XXXX is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX equifax is reporting XX/XX/XXXX and if you look at the 2 year payment history they are reporting XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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:
i have tried contacting XXXX, experian, and XXXX various times within the past year challenging the 100 % accurate reporting of this charged off account being reported on my credit report ... each time they say that it is verified as accurate ... .how so? they are violating my consumer rights high credits do not match per bureau XXXX is reporting {$3900.00} experian is reporting {$3900.00} XXXX is reporting {$3500.00} dates of last active do not match per bureau XXXX is reporting XX/XX/XXXX experian is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX dates of last payment do not match per bureau XXXX is reporting XX/XX/XXXX experian is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX and if you look at the 2 year payment history they are reporting XX/XX/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 2023-01-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
Incident Description I have been a victim of identity theft. My old apartment at XXXX XXXX XXXX XXXX. I believe the current residence was getting old mail and using my identity to apply for credit card loans utilities and apartments. I have been constantly getting items in my name without my permission. I am not aware of any of these items on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I got a alert that I have a new inquiry on my credit on XXXX XXXX from capital one bank I never signed up for a new capital one card I believe its fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NJ

Complaint narrative:
I believe my loan servicer and/or school placed me in a school deferment when I was not attending school. On my student aid account, I am listed as being in school deferment from XX/XX/XXXX to XX/XX/XXXX. I was a parttime XXXX  at XXXX XXXX XXXX from in XX/XX/XXXX then I transferred to XXXX University XX/XX/XXXX to complete a XXXX XXXX. I attended an XXXX XXXX  at XXXX University from XX/XX/XXXX and finished XX/XX/XXXX. I did not return to school until XX/XX/XXXX ; however I am listed as being in school the entire time. I was XXXX  full-time at a XXXX full-time this entire period as XXXX XXXX XXXX and then as an XXXX once I graduated in XXXX. The period from XXXX should count towards my XXXX forgiveness as I should not have been placed in deferment. I was XXXX  full time at a qualifying employer the entire time. I also made payments during the times I was not in school. I had no idea at all I was placed on this until I applied for XXXX for the first time until I was alerted you could find your student aid form on XXXX website. I have tried to resolve this with XXXX without any response. I also tried to resolve this with XXXX XXXX, and XXXX  XXXX. My loan servicer at that time was XXXX XXXX XXXX which has a very poor record keeping history and a bad servicer and has since 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 2023-01-06 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MD XXXX {$1300.00} I have been in contact with this agency several times, first class mail, certified mail, return receipts and still no response. I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT AND MUST BE REMOVED IMMEDIATELY. I have been in contact with furnisher and no information have been provided, pursuant to XXXX XXXX Fair Credit Reporting Act. I am being harassed, badgered my credit with no explanation on an erroneous, alleged collections information. XXXX XXXX has never proved this debt belong to me legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc.
State: NJ

Complaint narrative:
XXXX is claiming I owe {$340.00} which was sent to XXXX XXXXXXXX XXXX XXXX XXXX to be collected. I called both companies which advised me the name and information on account didnt belong to me. However it was not removed from my credit. The home address on the account is from New York, which I never lived in NY a day in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Hi I had a checking account with Bank of America ending ( XXXX ). That account was closed by the bank in ( XXXX XXXX ) due to fraudulent activity and we were assigned a new bank account ending XXXX. In XX/XX/XXXX, we discovered an online transaction in bill pay {$1000.00} was sent to a deceased person ( died in XXXX ) used to do handy work. The money was taken from a back up account because the closed account didnt of course had any fund. How a closed account is useable and its backup account still effective. The bank didnt do close the account correctly. The bank didnt protect me. I called the bank the fraud department over 20 times and I also took off from work twice and went in person to Bank of America and no solution. I was told that they are waiting for the ( deceased ) person who cashed the check to get the check back. The check was cashed by another bank. The check was sent to a po box . So they have 2 official places to get their investigation going and closing the gaps. This is very exhausting.

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 2023-01-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-01-06 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: NC

Complaint narrative:
I filed for XXXX  XXXX bankruptcy in XXXX, XXXX. I had a credit card account with XXXX at the time and the card was included in the bankruptcy. My plan of reorganization was approved in XXXX, XXXX and payments began in XXXX, XXXX. I made all required payments to XXXX per the plan. Once payments stopped, in XXXX of XXXX, XXXX began reporting missed payments and changed the status of the card to delinquent and in collections with the major credit bureaus. They now report that I have missed payments since XXXX, XXXX. They have also used a collection agency, XXXX XXXX, to attempt to collect this debt that was satisfied per the plan of reorganization. I have disputed this inaccurate information with XXXX XXXX, XXXX, XXXX, and Equifax providing bankruptcy documentation as evidence. XXXX also received all of the relevant bankruptcy documents while the case was open since they were a named creditor. Because of this, my credit score continues to suffer and I am unable to repair my credit as afforded by my bankruptcy petition that was filed almost 6 years ago. I was also denied an application for a student loan and a rental lease for an apartment with this account being specifically listed as the reason. I also have spent more than {$1500.00} on legal counsel to resolve this already.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
I received an email from XXXX to my email XXXX that Welcomed me to XXXX XXXX. The email is stating that I " XXXX '' utilized a loan from their company to purchase a XXXX XXXXXXXX XXXX. The account they opened ends in XXXX. 

I did not make this purchase. I was immediately concerned this was identity theft and contacted the phone number on the email. 

I told them that this account was opened without my authorization and approval. I did not or do not want to purchase this vehicle. They asked me to provide my SSN and account number so they could look into this, obviously I was concerned to give this info to them. They refused to look further into this to validate if I have cause for my concern.

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 2023-01-06 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: VA

Complaint narrative:
The XXXX breach exposed my information so Ive been very concerned about my consumer file. Per 15 USC 1681, credit transaction, arising from credit cards should not be included on a credit report. This disputes are due to the violations that XXXX is reporting inaccurate information on my credit report. This is violation 15 USC 1681d defamation of character and you are now in violation of 15 U.S. Code 1611 Criminal liability for willful and knowing violation that you are reporting incorrect information. XXXX XXXX XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments. XXXX XXXXXXXX XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments. XXXX XXXXXXXX XXXX XXXXXXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments. XXXX XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments. XXXX XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments. XXXX XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments. XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments. XXXX XXXX XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments. By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my report. It is my understanding that you will review these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please complete your investigation aligned with 15 USC 1681 ( a ) ( e ) guidelines as Congress states. Please send an updated copies of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in this matter.

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 2023-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FirstPoint Collection Resources
State: IL

Complaint narrative:
I have been a victim of identity theft. My old apartment at XXXX XXXX XXXX XXXX. I believe the current residence was getting old mail and using my identity to apply for credit card loans utilities and apartments. I have been constantly getting items in my name without my permission. I am not aware of any of these items on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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: GA

Complaint narrative:
I took a look at my credit and noticed a account that does not belong to me I contacted the credit bureau experian and they said they couldnt do anything about the student loan account I have never been a student at a college and have never received a loan from this company I contacted them for the last XXXX months

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 2023-01-06 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: Transform Credit Inc.
State: OR

Complaint narrative:
Company : TRANSFORM CREDIT INC Amount : {$220.00} Dates : XX/XX/2021 I have tried calling the company to talk to someone and no one ever answers. 

Makes it hard to try to reconcile the inaccurate account. 

I am not sure what else to do except continue spamming their phone with calls. 

I have no signed documents or any documents for that matter that would justify the account that was created under my name. Therefore, the company does not have the right to establish an account in my name. 

Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
i was a victim of idenity theft collection agency : XXXX XXXX  date XXXX Collection agency : Convergent Outsourcing, INC {$350.00} XXXX XXXX XXXX XXXX {$180.00} Collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$440.00} Collection Agency : XXXX XXXX XXXX XXXX XXXX : {$610.00} XX/XX/XXXX Collectional Agency : 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