vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I financed equipment thru XXXX XXXX ( now XXXX ) and before my equipment was shipped and before my first payment was due I canceled my order. XXXX sent me confirmation that the account was closed and that I was a finance customer so no further action was needed. 
However, the finance company they use has been contacting me repeatedly attempting to collect payments. I have repeatedly informed them that I canceled the order and do not have the equipment. I have sent multiple emails to both companies and at one point even called XXXX on 3 way and listened as account & invoice numbers were given. XXXX claims to have received no correspondence from XXXX, XXXX says they've made attempts to contact XXXX. XXXX calls me all the time now and every time the person calling has no knowledge of any of the history, claims there's no notes on the account. Sometimes they'll let me speak to a supervisor but they usually will not. One supervisor assured me they would push back my payment due date to XX/XX/XXXX to give the appropriate parties time to sort this out and it would not affect my credit. It was never done.

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 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have sent multiple dispute to this company about inaccurate reporting and falsely saying accounts are verify you can only verify accounts with the actual creditor or company and they have not they went throw third parties where information is reporting inaccurate In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name & Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The bankruptcy court do not report to the credit bureaus that is a violation of my hippa rights

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Open Dealer Exchange, LLC
State: PA

Complaint narrative:
XXXX XXXXXXXX broke the law today as in 15 U.S. Code 1662 - Advertising of downpayments and installments U.S. Code prev | next No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount.

( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount.

Meaning they can not state that I have to put a downpayment on an automobile unless I usually and customarily arrange downpayments in this amount at this company. This is my first time ever contacting this company so that means they broke the rules.

I also inserted told them I wanted them to retract my application the guy told me I could not and hung up in my face. They were very rude to me today and they lied to me. I need the automobile for work purposes and now I cant get it is messing me up. They stated because of my credit score and I know thats not a factor at all because I dont customarily dont do downpayments with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I opened an account with Navy Federal on XX/XX/XXXX, and added a debit card. I deposited XXXX on XX/XX/XXXX from my XXXX XXXX. I deposited XXXX into the account on XX/XX/XXXX and a XXXX  transfer from my XXXX checking account of {$150.00}. I received a XXXX  transfer of XXXX from my friend. and another XXXX  transfer for which I can not name the amount because the account is locked. I then purchased a XXXX for XXXX the XXXX transfer was from friends we were all putting in on an XXXX XXXX. my account was then locked and inaccessible on XX/XX/XXXX. I called Navy Federal to see what the issue was because I hadn't gone over my limit nor had any fraudulent transactions. The receptionist proceeded to let me know she couldn't see a reason for my locked access and that I should fill out an appeal which I did on XX/XX/XXXX I believe I had called back after 10 days and they still had no update for my account only to keep a lookout for an email saying they've received it which I haven't gotten that either. There is still money in the account that I have no access to and I'm upset because I was trying to build a relationship with them on a business scale. This whole matter has been timely and frustrating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim and I do not consent to an electronic communications. I request all responses be in writing throughtheusps. These inaccuracies are not just a source of embarrassment ; they are actively sabotaging my efforts to secure the credit I rightfully deserve. We are both well aware of the laws mandating accurate credit reporting, and it is abundantly clear that the inclusion of such false information is either an oversight on your part or a gross mistake by the reporting creditor. XXXX XXXX. The company says I legally owe you money. I will PAY under one condition if you can provide. 1. Validation of the debt that is, the actual accounting. 2. the validation of a signed invoice 3. a copy of the contract binding both parties, myself, and your company, in a letter by certified mail so that there is an independent witness to it having been delivered.

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 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2023, I received a copy of my credit report from Experian Credit Reporting Agency. After a quick review I noticed they had an account from XXXX XXXX showing as a collection account with a balance owing of {$900.00}. That is completely in accurate. That account was paid off and has been completely closed out. I reviewed my credit reports from XXXX and XXXX and they both show that the XXXX account has a XXXX  balance, and it has been closed out and was never in collections. I also spoke with XXXX directly the day I got my Experian Credit Report, and they confirmed that my account has been closed out and it has a XXXX balance and was never in collections. They also told me that they are required to notify their clients via mail and email of possible collection action if they don't get paid by a certain date. I replied back saying that's what I thought too. I told them you guys never sent me anything via mail or email threatening me with any type of collection action. They said we didn't need to your account never reached that level. I said then why is Experian showing it as a collection account with a balance of {$900.00} owed and XXXX and XXXX are showing it as a closed account with a XXXX balance? XXXX said they have no idea. We reported it to the credit reporting agencies as closed with a XXXX balance. Our system shows your account was never in collections and we never sent anything out to you threatening you with that type of action. As far as the credit reporting agencies go, it sounds like XXXX and XXXX are reporting our information correctly and Experian isn't.

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 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to address the issue of unauthorized hard inquiries that have been reported on my credit profile, which I previously brought to your attention via mail. I submitted a dispute letter outlining my concerns regarding the inaccuracies and fraudulent nature of these hard inquiries. 

-- -- -TransUnion XXXX -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

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 2023-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I respectfully ask for a swift update of my account with the accurate and precise information. Your prompt response in resolving this issue is highly valued.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2023-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I respectfully ask for a swift update of my account with the accurate and precise information. Your prompt response in resolving this issue is highly valued.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent accounts on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent accounts on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2023-11-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: TransferWise Ltd

Complaint narrative:
I have been using my account for the past 1 year. My account has recently been closed without any reason when I tried to contact the team said they don't know. I called the bank but no one provided me the reason. then I emailed but no one responded then I contacted them through XXXX XXXX but nothing has worked for me. there are around XXXX $ in it but the team is not replying to my emails, calls, or chats.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
This is older than 7 years and Ive already paid in full to the company the sold my debt to Ive filed many disputes and its still not removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: TX

Complaint narrative:
XXXX and the Department of Education are making it impossible for me lead & grow my corporation as the founder and CEO, of a SBA XXXX ( a ) registered company. The company was just denied a business line of credit and credit card by XXXX  XXXX XXXX stating the reasons as delinquent student loans and limited credit profile. I paid the student loans to a {$0.00} balance and did not wait for the government to give me a free hand out forgiveness loan. I worked 365 days straight with no days off to save up to pay off the entire loan balance. Almost 5 years later, the Department of Education is tarnishing my personal character by listing erroneous information that doesnt accurately reflect my character. The Department of Education is listing my accounts as delinquent when I paid them to a {$0.00} balance. This is a clear case of discrimination in lending and a clear violation of my rights under the FCRA. How dare the XXXX  XXXX XXXX representative criticize my ability to repay one credit card with a $ XXXX balance. Yes, I have repaid my one, open installment account to a XXXX balance every month since XX/XX/2023. At the age of XXXX and still leading an active/in good standing corporation for the last seven years in business, Id say we are an ideal business to receive funding from a traditional lender. But at this point its clear to me that the real reason for being denied a business line of credit for an established corporation with no derogatory reporting and an owner with good credit is only because of my race as a XXXX XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX and the Department of Education are making it impossible for me lead & grow my corporation as the founder and CEO, of a SBA 8 ( a ) registered company. The company was just denied a business line of credit and credit card by Bank of America stating the reasons as delinquent student loans and limited credit profile. I paid the student loans to a {$0.00} balance and did not wait for the government to give me a free hand out forgiveness loan. I worked 365 days straight with no days off to save up to pay off the entire loan balance. Almost 5 years later, the Department of Education is tarnishing my personal character by listing erroneous information that doesnt accurately reflect my character. The Department of Education is listing my accounts as delinquent when I paid them to a {$0.00} balance. This is a clear case of discrimination in lending and a clear violation of my rights under the FCRA. How dare the Bank of America representative criticize my ability to repay one credit card with a $ XXXX balance. Yes, I have repaid my one, open installment account to a XXXX balance every month since XX/XX/2023. At the age of XXXX and still leading an active/in good standing corporation for the last seven years in business, Id say we are an ideal business to receive funding from a traditional lender. But at this point its clear to me that the real reason for being denied a business line of credit for an established corporation with no derogatory reporting and an owner with good credit is only because of my race as a XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX, ACCT # XXXX, is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. 15 U.S. Code 1692 states that upon any disputed item on a consumers credit report, the debt collector shall cease collection of the debt, or any disputed portion thereof. Therefore, this is in violation! According to 15 US Code 681s-2, a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

This collection, by law, MUST be DELETED from my credit report immediately.

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 2023-11-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I have called the multiple of times and they keep denying me. I have also asked to speak to the managers to resolve the issue. This happened XXXX months ago I don't know the exact date. I have been trying to work out a payment plan with the company. The new company is west lake portfolio. They are telling me. I still owe them the amount of money that I started with when I first bought the car. I have been paying on the car for almost XXXX years and I still owe XXXX XXXX dollars on the car. The car is now worth XXXX XXXX XXXX XXXX and XXXX XXXX dollars.

Company response to consumer: Closed with explanation