vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-06 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:
XXXX XXXX XXXX as of XXXX XX/XX/22 Status and remark is reporting XXXX! When that is inaccurate! The car is still on a active contract! NOT REPOSSESSED, PLEASE DELETE THIS 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 2022-09-06 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: PA

Complaint narrative:
XXXX XXXX XXXX as of XXXX XX/XX/22 Status and remark is reporting REPOSSESSION! When that is inaccurate! The car is still on a active contract! NOT REPOSSESSED, PLEASE DELETE THIS FROM MY CREDIT REPORT!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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:
XXXX XXXX XXXX as of XXXX XX/XX/22 Status and remark is reporting REPOSSESSION! When that is inaccurate! The car is still on a active contract! NOT REPOSSESSED, PLEASE DELETE THIS 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 explanation
Consumer complaint received 2022-09-06 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: NV

Complaint narrative:
The account is not being reported correctly on my credit report. The account number, date opened, payment terms, date last reported, date of last activity, date of last payment, and payment history are different across both credit bureaus. I have written the credit bureaus in XXXX, XXXX, XXXX, XXXX, and the beginning of XX/XX/2022 requesting the account be reported correctly on my credit report or deleted. I have not received a response from the credit bureaus. My student loans have been transferred to the Department of Education. Isn't it true legislation passed during the pandemic requires XXXX to remove all late payments 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 2022-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/XXXX, two charges were made on my debit card to XXXX XXXX 's. The totals were {$240.00} and {$79.00}. I did not make these charges and immediately reported them to Chase. They reversed the charges on XX/XX/XXXX. On XX/XX/XXXX, Chase charged me again for these charges. They told me that they had reviewed my complaint and determined that there were no fraudulent charges made. I told them that I did not order these items and also never received these items. I live in XXXX. Chase told me that the items were delivered to someplace in Massachusetts. They said that since XXXX XXXX 's knew my billing address, I had to pay for these items. I have never bought anything from XXXX XXXX 's and have no idea how they would have my billing address, but I never ordered these items. I want my money refunded. The total amount is {$320.00}. I would also like Chase to provide me with the shipping address so I can contact the police in that city and have them open up a crime investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-06 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: GA

Complaint narrative:
15 USC 1666B Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
15 USC 1681 Section 602 : States that I have a right to privacy.

15 USC 1681 Section 604 A section 2 : 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 explanation
Consumer complaint received 2022-09-06 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
15 USC 1666B Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 USC 1681 Section 602 : States that I have a right to privacy.

15 USC 1681 Section 604 A section 2 : 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 explanation
Consumer complaint received 2022-09-06 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: NV

Complaint narrative:
The account is not being reported correctly on my credit report. The account number, date opened, payment terms, date last reported, date of last activity, date of last payment, and payment history are different across both credit bureaus. I have written the credit bureaus in XXXX, XXXX, XXXX, XXXX, and the beginning of XX/XX/2022 requesting the account be reported correctly on my credit report or deleted. I have not received a response from the credit bureaus. My student loans have been transferred to the Department of Education. Isn't it true legislation passed during the pandemic requires XXXX to remove all late payments from my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: NV

Complaint narrative:
The account is not being reported correctly on my credit report. The account number, date opened, payment terms, date last reported, date of last activity, date of last payment, and payment history are different across both credit bureaus. I have written the credit bureaus in XXXX, XXXX, XXXX, XXXX, and the beginning of XX/XX/2022 requesting the account be reported correctly on my credit report or deleted. I have not received a response from the credit bureaus. My loans have been transferred to the Department of Education. Isn't it true legislation passed during the pandemic requires XXXX to remove all late payments 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 2022-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have fraudulent inquiries on my consumer report that I want removed immediately. 
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 2022-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I have a bankruptcy that is being reported on my credit reports and that is inaccurate! My husband and I ALMOST went thru with bankruptcy but backed out..this is inaccurate information and needs to be removed from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
- XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX I noticed this morning that there were 3 Pulls in my credit performed on XXXX I should only have 1 Pull which was - XXXX XXXX XXXXXXXX XXXX  XXXX XXXX purchased a vehicle on XXXX and was aware that my Credit was going to be ran on the XXXX However, the 3 pulls I see above I never authorized them and I recall having my account Temporary frozen which should have been frozen by the 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 2022-09-06 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: TX

Complaint narrative:
I have tried numerous times to formally resolve this matter with Equifax to no avail. I am asking your assistance in this matter to resolve it in accordance with the law. I sent a certified letter ( XXXX ) via USPS that was received on XX/XX/2022 to dispute an account ( XXXX XXXX XXXX XXXX ; ACCOUNT # XXXX ) on my credit report from Equifax XXXX I received a response from Equifax stating the account was updated on XX/XX/2022. I sent out another certified letter via USPS ( XXXX ) asking a description of the investigation that was received on XX/XX/2022 ensuring the 30 days had past to ensure the was no in the 30 days from receipt of my dispute. To this day I have not received any response of a description of the investigation as per FCRA 611 a ( 7 ) which states a consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. It is now XX/XX/2022 which would make it 69 days from that request. I have several attempts with Equifax obtain the information via USPS certified mail ( XXXX, XXXX ) but have not had any success. I have received a credit report from Equifax stating the account was verified each time after that. How can the account be verified without sufficient evidence. Equifax also violated FRCA 623 for the required notice of dispute within 30 days upon receiving a dispute. As of XX/XX/2022 the required notice of dispute is not on the credit report I was sent via USPS nor is it on my credit report on Equifaxs website. This account needs to be removed due to the violations of the FCRA. I will provide evidence of for the violations that have occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: Nelnet, Inc.
State: NV

Complaint narrative:
The account is not being reported correctly on my credit report. The account number, date opened, payment terms, date last reported, date of last activity, date of last payment, and payment history are different across both credit bureaus. I have written the credit bureaus in XXXX, XXXX, XXXX, XXXX, and the beginning of XX/XX/2022 requesting the account be reported correctly on my credit report or deleted. I have not received a response from the credit bureaus. My loans have been transferred to the Department of Education. Isn't it true legislation passed during the pandemic requires Nelnet to remove all late payments from my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: NV

Complaint narrative:
The account is not being reported correctly on my credit report. The account number, date opened, payment terms, date last reported, date of last activity, date of last payment, and payment history are different across both credit bureaus. I have written the credit bureaus in XXXX, XXXX, XXXX, XXXX, and the beginning of XX/XX/2022 requesting the account be reported correctly on my credit report or deleted. I have not received a response from the credit bureaus. My loans have been transferred to the Department of Education. Isn't it true legislation passed during the pandemic requires XXXX to remove all late payments from my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: WA

Complaint narrative:
My bank called, needless to say it was not my bank.They said someone was trying to use XXXX to get my money and they had to close them and I did what they said. So they got my money. {$3500.00}. I've never have used anything like this.

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 2022-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2022, a fraudulent check was deposited into my account using a stolen ATM card for XXXX $ as part of a scheme to then withdraw cash from the account ( I filed a separate fraud claim for this withdrawal ), this resulted in a temporary false surplus of XXXX $ in the account. The fraudulent check was then discovered and the account debited on XX/XX/2022 for XXXX XXXX bringing it back to neutral, this was noted on my statement as " DEBIT ADJUSTMENT LETTER SENT ''. Then, on XX/XX/2022, another XXXX $ was debited from my account related to the fraudulent check as part of a " RETURN ITEM CHARGEBACK '' line item. After calling fraud services multiple times over many weeks related to this incident, my claim was denied without any significant explanation.

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 2022-09-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: AUTOMOTIVE CREDIT CORPORATION
State: AZ

Complaint narrative:
on XX/XX/XXXX at XXXX XXXX I recv-d a call from automotive credit stating my car loan was 31 days past due. I asked how if I paid my payment on the XXXX of XXXX the amount I paid was XXXX. The rep stated I paid XXXX which I advised the amount that cleared my acct was XXXX she then back tracked and said that I had two late fees on the acct. I asked did they report to my credit because it shouldn't as my truck payment was paid she replied with a rude and condescending attitude I guess you have your answer, I requested a sup at this time. she then said one was not available and I can call back tomorrow as I went to advise I will call back today the Female rep hung up on me. I never recv-d a call or letter advising I had late fees on the acct. two the rep should maintain a professional manner at all times. Three it is not acceptable for the rep to hang up on the customer. and lastly I had submitted a due date change and was informed the late fee that would be assessed in XXXX would be waived as my new due date did not start until XXXX. My loan acct number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Credit Karma, LLC
State: GA

Complaint narrative:
Credit karma telling me i was approved for credit card and when I apply I was denied and car loans and personal loans making my credit score have hard inquiry making my score go up

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: CT

Complaint narrative:
I have numerous accounts being reported incorrect. I have items that are well over 8 years they are currently reporting as a newer account that should be off my credit report. I have Inquiries that are false and some are not off my credit report. Last, they are reporting wrong information because they are receiving old Information from other credit bureaus and not actually getting the right information so my credit score is suffering because of this. This is lawless and Unconstitutional. These acts do not comply with the Fair Credit Reporting Act.

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 2022-09-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I have tried multiple times to request that Capital One Auto finance send me where I gave consent to them in writing or opted in for them to share my information with any non-affiliated third parties per their privacy policy. The Graham Leach Bailey act states that non-public information may not be shared by financial institutions without the consumer opting in, it also states that the consumer must be given the opportunity to opt out and given instructions on how to opt out. I was not given that opportunity and this is a violation of my rights. I demand this account not be shared with non-affiliated third parties unless Capital One Auto Finance provide me with the proof that i agreed in writing to opt into this reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
it was not me i had id fraund and three credit card was open in my name

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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 — Problem with personal statement of dispute
Company: Persolve, LLC - Legal - Series 2
State: IL

Complaint narrative:
To whom it may concern I am writing because I have a account on my credit from PERSOLVE acct number XXXX I have disputed this acct it came back verified and I am requesting information to be sent to me on how it was verified if that can not be provided to me i am requesting that this be deleted immediately. 
15 U.S. Code 1692g - Validation of debts Failure to send the consumer a written notice of the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Atlanticus Services Corporation
State: PA

Complaint narrative:
XXXXFORTIVA ACCOUNT STATUS IS INCORRECT PLEASE DELETE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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 — Investigation took more than 30 days
Company: Westlake Services, LLC
State: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Re ; Credit pull On or about XX/XX/2021 & XX/XX/2021 I made a credit inquiry into a dealership concerning a purchase of a vehicle in XXXX, PA [ the name of the auto dealer is ] XXXX XXXX XXXX. I authorized the car dealer to make a credit pull but also informed them I was already pre-approved by Westlake financial for the deal to finance the vehicle. The account while I was there ran my credit at lease 5-9 times within a span of 3-4 hours I received that day on XX/XX/2021 9 alerts of hard credit pulls on my credit report. I informed the company and a sales man that I used to purchase the vehicle XXXX and asked politely to remove write in consignment and alluding to the conversation I had with a representative from XXXX. Send in a letter on my behalf stating these inquiries to be deleted and also I did my part. While at the dealer we concluded and ended by using Westlake financial to finance the vehicle and I really found those credit checks to be unnecessary since I had informed the dealer of my credit score and knowing that Westlake would be the only company to approve me. I would request that these hard inquiries from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Credit on road To be removed of my credit report due to the unnecessary expense and irreconcilable damage its done. 


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