vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I sent them my letters a few times first letter in XX/XX/XXXX they completely ignored my letters then i sent over letters XX/XX/XXXX and still no reply on theses items i disputed on my report its like they are just ignoring me.It hurts when i have to spend time and money to write letters to them for them to not give a reply on the status of this and they were suppose to get back to me within 30 days. please help.

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 2022-03-11 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: CT

Complaint narrative:
I sent them my letters a few times first letter in XX/XX/XXXX they completely ignored my letters then i sent over letters XX/XX/XXXX and still no reply on theses items i disputed on my report its like they are just ignoring me.It hurts when i have to spend time and money to write letters to them for them to not give a reply on the status of this and they were suppose to get back to me within 30 days. please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: TX

Complaint narrative:
I have obtained a copy of my credit file on XX/XX/2021 and the information did not relate to any of the transactions that I have made. The following item does not belong to me and is a result of fraud that I did not authorize : - XXXX BANK XXXX # XXXX with the amount of {$2800.00} I have already reported the incidents to the credit bureaus ( Equifax, XXXX and XXXX ) as well as the police department to obtain a police report ( see attached ), but I haven't received any prompt responses that could correct the fraudulent accounts on my credit report. 

Therefore, I am requesting that these accounts be completely removed and blocked from my credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
Payments are made in advance of the due date. Sometimes to make credit available mid cycle, sometimes to pay off entire balance when payment is due. Regardless of when the payment is made Capital One : - Receives the money from my account. ( This month payment was made XX/XX/XXXX and posted by Capital One on the XXXX, money removed from my account on XX/XX/XXXX ) - then - Reflects the payment on the Capital One account showing that the money was received ; reflecting a ZERO balance due. 

-However, I am not provided any available credit even though they have been paid and have posted the money as payment in full. ( this scenario is routine and seemingly illegal ) - Keep in mind I have insurance payments that are established on this card that are to be charged every month same day ... that this card routinely DENIES the charge even though they have been paid and have in their possession money from my bank account ... this policy has placed my insurance in jeopardy on more than one occasion. 

- During my research and while writing this complaint I have checked on my account with Capital One for the fourth time in two days and voila!! They have given me my available credit AND some credits from merchant returns just now posted as well ... to me meaning that they were using that money for free as well instead of providing me credit that was due to me. 

I can not believe that these procedures are legal and they certainly are not ethical ... jeopardizing my insurance and in one situation a monthly payment for my husbands health care via mens clinic ... its not right and it shouldn't be tolerated or legal. I/we are counting on you as a governing agency to reel these people in and hold them accountable. 
We realize in the world of credit card companies we are regarded as " deadbeats '' because we use the credit then pay off the entire balance at months end... we should not be punished for being prudent and responsible. 

We look forward to hearing back from you as to how you have proceeded and any legislative suggestions you have introduced to law makers and the name of said law maker. 
Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: TX

Complaint narrative:
I have obtained a copy of my credit file on XX/XX/2021 and the information did not relate to any of the transactions that I have made. The following item does not belong to me and is a result of fraud that I did not authorize : - XXXX BANK XXXX # XXXX with the amount of {$2800.00} I have already reported the incidents to the credit bureaus ( XXXX, XXXX and TransUnion ) as well as the police department to obtain a police report ( see attached ), but I haven't received any prompt responses that could correct the fraudulent accounts on my credit report. 

Therefore, I am requesting that these accounts be completely removed and blocked from my credit file. Thank you.

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 2022-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have obtained a copy of my credit file on XX/XX/2021 and the information did not relate to any of the transactions that I have made. The following item does not belong to me and is a result of fraud that I did not authorize : - XXXX BANK XXXX # XXXX with the amount of {$2800.00} I have already reported the incidents to the credit bureaus ( XXXX, Experian and XXXX ) as well as the police department to obtain a police report ( see attached ), but I haven't received any prompt responses that could correct the fraudulent accounts on my credit report. 

Therefore, I am requesting that these accounts be completely removed and blocked from my credit file. Thank you.

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 2022-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: NY

Complaint narrative:
I have account with Gemini is a crypto exchange company. They transferred money from my checking account without my authorization. and I can not access my account, I send them a lot of messages without results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX is in violation of FCRA inaccurate reporting. XXXX had not reported my on time payment history as they put it due to a system change at their company since XX/XX/XXXX .Another violation thats over 5 months of no reporting. Then to constantly mess up and report I had missed or late payments. I am beyond fed up with these people. I have contacted XXXX a total of 10 times to have them remove late payments that were never late every few days they are reporting to the credit bureau either I got a new loan or a late payment. I spoke with over 6 different representatives. I have emails and control numbers that it was being removed and today XX/XX/XXXX they report again a late payment. They have reported a total Of 6 late payments my credit score has been impacted each time because of this I went from a XXXX credit score to a XXXX because of XXXX I am frustrated and Im tired of spending countless hours each week on the phone with their representatives. It is not fair to me as a consumer and I will be consulting a attorney. This has happened every week since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
On XX/XX/2021, I went to XXXX XXXX on XXXX XXXX in XXXX XXXX FL and purchased a refrigerator. I did not have enough money to purchase the refrigerator outright and they offered me a financing option. I completed my information on a small tablet and typed my signature. The clerk at the store told if I paid it off in three months, I would save allot of money. She said they send you a notification when you are close to the three-month window so that you dont miss it. The company was Acima acct number # XXXX I didnt receive any correspondence from the company ACIMA except for the day I made my purchase in XX/XX/2021. I made myself a note to pay off my account within the three-month period- I tried to pay it off on-line. It would not allow me to do it. It kept saying I had to pay a much higher amount. I called them and was on-hold for an hour. I was finally able to get someone on the phone and she told me I was 4 days over my ability to pay off my account for {$1500.00}. They said my payoff was a little over {$2000.00}. The representative said that they sent me a notification 10 days prior to the cash price payment expiration date. I checked my email and spam. I did not receive anything. I did not receive any mail. I asked if they would make an exception for the 4 days and allow me to pay off my refrigerator. She said there were no exceptions. I explained that this would be a hardship for me to pay over {$2000.00} in finance fees on top of the purchase price of XXXX. In just 12 months. When she said no, they would not make an exception, I told her I wanted to return my merchandise. I could buy a new refrigerator for less than the payoff price they were asking. They did not come and pick up my refrigerator. I sent them an email asking them if they were going to do that and what was the process. I have made several calls and sent 4 emails. I had gotten a response a few days ago telling me I had to call to have it picked up. They are clearly giving me the runaround. They also said I must pay the {$900.00} that they are owed before they will pick it up now. I need help. I dont understand what I have gotten myself into

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
Pursuant to 15 U.S. Code 1605 - Determination of finance charge- ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit.

Finance charge is defined as the sum of all charges according the federal law above. The sum of the finance charge is equal to any or all payments, so that includes late payments. The vehicle was already paid off once the car was purchased therefore late payments do not exist.

Pursuant to 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I the consumer never received a mailed " late notice '' within 21 days before the payment due date. Bridgecrest has violated 15 U.S. Code 1666b - Timing of payments, therefore the late payment is illegal according to federal law.

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 2022-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. US Dept of ED/XXXX XXXX AC # XXXX, XXXX, Amount {$3500.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. US Dept of EDXXXX XXXX AC # XXXX, XXXX XXXX XX/XX/XXXX, Amount {$3300.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. US Dept of EDXXXX XXXX AC # XXXX, XXXX XXXX XX/XX/XXXX, Amount {$4600.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX, AC # XXXX, XXXX  : XX/XX/XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX AC # XXXX, XXXX : XX/XX/XXXX, Amount {$15000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. US Debt of EDXXXX, AC # XXXX, XXXX  : XX/XX/XXXX, Amount {$5800.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. US Dept of EDXXXX XXXX AC # XXXX, XXXX XXXX  XX/XX/XXXX, Amount {$6300.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX, AC # XXXX, XXXX XXXX XX/XX/XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.

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 2022-03-11 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I contacted Experian Disputes on XXXX XXXX. 
I contacted Experian XXXX XXXX I contacted XXXX XXXX XXXX The following are *UNAUTHORIZED INQUIRIES This is inaccurate information on my credit report XXXX XXXX XXXX  INQUIRY DATE : XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XXXX XXXX XXXX INQUIRY DATE : XXXX XXXX XXXX INQUIRY DATE : XXXX XXXX XXXX XXXX  INQUIRY DATE : XXXX XXXX XXXX XXXX INQUIRY DATE : 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 2022-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I'm in the process of trying to fix my credit. Recently I've seen many inaccuracies on my credit report. I sent letters to all three bureaus XXXX, equifax, and XXXX  This process has taken to long. I have not received any response by mail or email. Pleased help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-03-11 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: TX

Complaint narrative:
XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. US Dept of EDXXXX XXXX AC # XXXX, XXXX, Amount {$3500.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. US Dept of EDXXXX XXXX AC # XXXX, XXXX XXXX XX/XX/XXXX, Amount {$3300.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. US Dept of EDXXXX , AC # XXXX, XXXX XXXX XX/XX/XXXX, Amount {$4600.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX, AC # XXXX, XXXX XXXX XX/XX/XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXXXXXX XXXX, AC # XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, Amount {$15000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. US Debt of EDXXXX, AC # XXXX, XXXX XXXX XX/XX/XXXX, Amount {$5800.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. US Dept of EDXXXX XXXX AC # XXXX, XXXX XXXX  XX/XX/XXXX, Amount {$6300.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX, AC # XXXX, XXXX XXXX XX/XX/XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.

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 2022-03-11 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: TX

Complaint narrative:
XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. US Dept of EDXXXX XXXX AC # XXXX, XXXX, Amount {$3500.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. US Dept of ED/XXXX , AC # XXXXXXXX XXXX  : XX/XX/XXXX, Amount {$3300.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. US Dept of EDXXXX XXXX AC # XXXX, XXXX XXXX XX/XX/XXXX, Amount {$4600.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX, AC # XXXX, XXXX XXXX XX/XX/XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXXXXXX XXXX, AC # XXXX, XXXX  : XX/XX/XXXX, Amount {$15000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. US Debt of ED/XXXX, AC # XXXX, XXXX XXXX XX/XX/XXXX, Amount {$5800.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. US Dept of EDXXXX XXXX AC # XXXX, XXXX : XX/XX/XXXX, Amount {$6300.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX, AC # XXXX, XXXX XXXX XX/XX/XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.

Company response to consumer: Closed with explanation