vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-10 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: GA

Complaint narrative:
Hi, I've mailed multiple letters to Equifax disputing an inaccurate account on my credit report. I've pointed out these inaccuracies and this Equifax continues to allow this inaccurate information to be reported on my account. The account that they are reporting is an old auto loan, they are reporting that I'm 120 days late when I am not in possession of the car. The open date, last date active, account type, and payment status are reporting incorrectly and are a clear violation of my rights. Furthermore, I have not yet received a response from this bureau to date. I have attached a copy of my credit report highly these errors along with copies of the letters I've mailed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I recently noticed that my credit card was used to pay for a large purchase. I immediately contacted the credit card company and reported the incident by filing out a form and faxing it per the instructions at their website. 

I waited a couple of weeks and did not hear back so I called to make an inquiry. The service representative I spoke with took my claim after I explained what happened. 

The issue was that I lost my laptop and believe it was taken by a roommate I used to live with. Since my XXXX store credit card is stored in my account. It was used to make a purchase. I have possession of the card It seems the transaction has been reversed and I am being held responsible for something I did not purchase

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 2021-08-10 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: OneMain Finance Corporation
State: CA

Complaint narrative:
My one main financial account ending in XXXX is being reported on XXXX  as closed and opened on XXXX  this account was satisfactory paid off in beginning of 2020 and by law under FCRA you guys are reporting inaccurately on my credit profile and therefore now needs to be deleted from my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: GA

Complaint narrative:
I HAVE BEEN A VICTIM OF IDENTITY THEFT THERE ARE ACCOUNTS ON MY CREDIT REPORT THAT I DID NOT AUTHOURIZE OR BENEFIT FROM. I HAVE TRIED TO GET THIS ISSUE RESOLVED SEVERAL TIMES BUT NOBODY SEEMS TO HELP ME I AM LOSING SLEEP OVER THIS I AM GOING THROUGH EMOTIONAL DISTRESS AT THIS POINT IF THIS ISSUE IS NOT RESOLVED I AM GOING TO SUE THE BUREAUS THEIR JOB IS TO REPORT FAIR AND ACCURATE INFORMATION I HAVE FILED AN FTC REPORT AND BY LAW THOSE ACCOUNTS SHOULD BE BLOCKED WITHIN 5 DAYS OF RECEIPT. THIS IS MY LAST ATTEMPT TO TRY AND GET THIS RESOLVED OUTSIDE THE COURT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: CA

Complaint narrative:
I have six accounts that are showing up on my credit report they do not beloing to me they are not mine I have not applied or signed or used any of these accounts I need these accounts gone. 

XXXX XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$5700.00} OPened XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX - Acct # XXXX XXXX {$4100.00} OPened XX/XX/XXXX XXXX  XXXX/XXXX- Acct # XXXX Amt {$0.00} Opened XX/XX/XXXX XXXX  XXXX/XXXX  XXXX XXXX XXXX Acct # XXXX Amt {$0.00} Opened XX/XX/XXXX XXXX XXXX XXXX Acct # XXXX Amt {$860.00} OPened XX/XX/XXXX XXXX XXXX  XXXX XXXX Acct # XXXX Amt {$1200.00} Opened XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2021-08-10 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: CA

Complaint narrative:
I have six accounts that are showing up on my credit report they do not beloing to me they are not mine I have not applied or signed or used any of these accounts I need these accounts gone. 

XXXX XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$5700.00} OPened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$4100.00} OPened XX/XX/XXXX XXXX XXXX/XXXX- Acct # XXXX Amt {$0.00} Opened XX/XX/XXXX XXXX  XXXX/XXXX  XXXX XXXX XXXX Acct # XXXX Amt  {$0.00} Opened XX/XX/XXXX XXXX XXXX XXXX Acct # XXXX Amt {$860.00} OPened XX/XX/XXXX XXXX XXXX XXXX XXXX Acct # XXXX Amt {$1200.00} Opened XX/XX/XXXX 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 2021-08-10 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: CA

Complaint narrative:
I have six accounts that are showing up on my credit report they do not beloing to me they are not mine I have not applied or signed or used any of these accounts I need these accounts gone. 

XXXX XXXX XXXX  XXXX XXXX - Acct # XXXX Amt {$5700.00} OPened XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX - Acct # XXXX Amt {$4100.00} OPened XX/XX/XXXX XXXX XXXX/XXXX- Acct # XXXX Amt {$0.00} Opened XX/XX/XXXX XXXX  XXXX/XXXX  XXXX XXXX - Acct # XXXX Amt {$0.00} Opened XX/XX/XXXX XXXX XXXX - Acct # XXXX Amt {$860.00} OPened XX/XX/XXXX XXXX XXXX XXXX XXXX Acct # XXXX Amt {$1200.00} Opened XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: GA

Complaint narrative:
Ive never done business with XXXX XXXX XXXX or entered into a signed contract with this company. The following account couldnt be verified by XXXX. Equifax needs to follow suit and delete this item from my report. FCRA requires all information being reported should be accurate, Please update my report and delete this fraudulent information from my report. Equifax also keeps verifying accounts with no proof. Ive sent in Police report and ftc reports. Its been months and they Keep saying XXXX XXXX is verified!! How is the account being verified. Im still waiting on a signed contract!! Nothing has come in the mail for Equifax or XXXX XXXX!! The account is fraudulent!! Again someone stole my identity and files taxes and opened multiple accounts in my name. Please block this information from my report. I will be getting an attorney, because Equifax has been investigating for months, I just received a letter dated XX/XX/21 asking for a police report. The police was sent via us mail and through an cfpb complaint. Whats the issue with this not. Please help me understand why Equifax is ignoring all of my legal paperwork being submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
Tried to use my personal checking account With XXXX. 
XXXX uses Telecheck. 
They avoided all questions-Poor. 
I am XXXX years old. This happen a few years back. 
My Credit is over XXXX. 
I pay my bills!! Even with the XXXX  not asking for handouts. 
It's time for Telecheck to remove what ever they have. 
Been with XXXX XXXX XXXX for over 35 year, XXXX over 10. 
They are willng to give a letter on my accounts. 
Telecheck this is Unjust. 
Do the right thing and remove this! 
Way to long!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On Thursday, XX/XX/2021 I requested XXXX Credit Line to send {$1000.00} to me from my {$2300.00} Credit Line. This is because every time I went to use it. Instead of them taking money from the credit line Acct, they would remove money from my Personal Checking Acct in Navy Federal Credit Union ( XXXX ) Once I picked up the money from XXXX I was going straight to bank to deposit. When I arrived at XXXX, found out they would charge me {$9.00} for this transaction. Received the {$1000.00} and went right to Navy Federal to deposit. Once their, to my surprise {$1000.00} was Removed from my Personal Checking Account by XXXX, a XXXX Service Company XXXX. On XXXX Wednesday of month, my SS Check gets deposited. I immediately told the Bank Employees that they Took MY Personal Money From My Account which was needed for my Mortgage Company to do an Auto Pay on Monday, I was able to obtain a special program with them that decreased payments by {$200.00} each month. So I definitely didnt want that to be taken away. The Bank put the {$1000.00} back in2 my account temporarily while the Dispute was being investigated by them. After two months in XXXX the Bank notified me that they agreed with XXXX and Removed the monies from my account causing me to go into Overdraft. My Checking Account has been arrears every since that time, despite numerous visits into Bank and phone calls to their Customer Service Department. Ive made numerous calls to XXXX XXXX XXXX, XXXX who refer me to XXXX XXXX, who refer me back to XXXX XXXX. I attempted to pay on the Overdraft amounts as well as the Loan I have with Navy Federal. First month I paid {$150.00} towards it, and second month I paid {$50.00}. the third month, the bank than charged me fees and the balance was more than before I started paying on it. What happen to my {$200.00} I paid? Can you help me PLEASE?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: HYUNDAI CAPITAL AMERICA
State: OH

Complaint narrative:
Ive contacted Hyundai Motor Finance regarding payments and I spoke with XXXX. I know it's been a rough year for everyone, including myself. However, today has become much harder due to a notice I received from the credit report agencies ( XXXX, XXXX, & XXXX ) stating theres a 30-days delinquency reporting for Hyundai Motor Finance. I was affected by the coronavirus pandemic, but my account is current. According to the CARES Act : If my account is delinquent and I make an agreement to bring my account current, the creditor must report that I am current on my loan or account.

Please remove the 30-days late payment and update my credit reports reflecting current status. This will help me get back on track. 

This has hurt my credit tremendously. My taxes are still being processed since XXXX. My unemployment payment was released due loss of income due to Covid-19. 

The CARES Act places special requirements on companies such as Hyundai Motor Finance, that report any payment information to credit reporting agencies. Those requirements apply to me as a consumer because I was affected by the coronavirus pandemic.

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 2021-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
Deciding that I needed to build credit, I purchased a truck for my company in XX/XX/XXXX. It was financed in my name. 
After putting $ XXXX down, I was approved for financing the balance over the next few years. 
I was assured this was going to be reported to all 3 credit burrows. 
The financing company is Ford Motor Company Finance. 
I spoke to Ford finance on Friday XX/XX/XXXX ( last Friday ) and confirmed that they are sending the information for all of my payments to the credit borrows. 
In trying to purchase and finance a home, I need to have this sorted to why the loan is not appearing on my credit. 
I have made all payments in full and on time. 
Thank you in advance for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmerAssist A/R Solutions, Inc.
State: TX

Complaint narrative:
This is a debt from a dentist office that was paid on time at the office. I have sent the receipt of payment to the collection agency and they keep reporting me to my credit report on a debt that was never delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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:
I contacted the credit reporting bureaus, '' Experian, XXXX, and XXXX  '' on XX/XX/2021 regarding unauthorized use of personal credit information and I was told my file was unable to be found despite of me sending all required information needed for the action of request.

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 2021-08-10 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: OH

Complaint narrative:
Ive contacted XXXX XXXX XXXX regarding payments and I spoke with XXXX. I know it's been a rough year for everyone, including myself. However, today has become much harder due to a notice I received from the credit report agencies ( TransUnion, XXXX, & XXXX  ) stating theres a 30-days delinquency reporting for XXXX XXXX XXXX. I was affected by the coronavirus pandemic, but my account is current. According to the CARES Act : If my account is delinquent and I make an agreement to bring my account current, the creditor must report that I am current on my loan or account. 

Please remove the 30-days late payment and update my credit reports reflecting current status. This will help me get back on track. 

This has hurt my credit tremendously. My taxes are still being processed since XXXX. My unemployment payment was released due loss of income due to Covid-19.

The CARES Act places special requirements on companies such as XXXX XXXX XXXX, that report any payment information to credit reporting agencies. Those requirements apply to me as a consumer because I was affected by the coronavirus pandemic.

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 2021-08-10 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: OH

Complaint narrative:
Ive contacted XXXX XXXX XXXX regarding payments and I spoke with XXXX. I know it's been a rough year for everyone, including myself. However, today has become much harder due to a notice I received from the credit report agencies ( XXXX, Equifax, & XXXX  ) stating theres a 30-days delinquency reporting for XXXX XXXX XXXX. I was affected by the coronavirus pandemic, but my account is current. According to the CARES Act : If my account is delinquent and I make an agreement to bring my account current, the creditor must report that I am current on my loan or account. 

Please remove the 30-days late payment and update my credit reports reflecting current status. This will help me get back on track. 

This has hurt my credit tremendously. My taxes are still being processed since XXXX. My unemployment payment was released due loss of income due to Covid-19.

The CARES Act places special requirements on companies such as XXXX XXXX XXXX, that report any payment information to credit reporting agencies. Those requirements apply to me as a consumer because I was affected by the coronavirus pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: OH

Complaint narrative:
Ive contacted XXXX XXXX XXXX regarding payments and I spoke with XXXX. I know it's been a rough year for everyone, including myself. However, today has become much harder due to a notice I received from the credit report agencies ( XXXX, XXXX, & Experian ) stating theres a 30-days delinquency reporting for XXXX XXXX XXXX. I was affected by the coronavirus pandemic, but my account is current. According to the CARES Act : If my account is delinquent and I make an agreement to bring my account current, the creditor must report that I am current on my loan or account. 

Please remove the 30-days late payment and update my credit reports reflecting current status. This will help me get back on track. 

This has hurt my credit tremendously. My taxes are still being processed since XXXX. My unemployment payment was released due loss of income due to Covid-19.

The CARES Act places special requirements on companies such as XXXX XXXX XXXX, that report any payment information to credit reporting agencies. Those requirements apply to me as a consumer because I was affected by the coronavirus pandemic.

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 2021-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I had enrolled with experian back in XXXX, my credit score was at XXXX in XXXX, it may have been XXXX, I was informed by experian that their servers were hacked, as a result my credit dropped to a reported 4. I have been going back and forth with them ever since on the matter. My credit was back in the green ( XXXX  ) as of XX/XX/XXXX at roughly XXXX, around that time I submitted an inquiry to experian as to why they have been unable to provide my credit score, nor been able to for a number of months. I paid wise credit report and they were able to provide all 3 in a matter of seconds. I included this information in my email to experian backing up my complaint as to why other credit companies, as well as my credit union can provide my score but experian consistently is unable. A few hours after sending my email to experian I went online with XXXX XXXX for my credit score and most current, I had a review done 2 weeks previously. My credit went from a XXXX to XXXX in a matter of hours.I do not understand how my score could have dropped 51 points that quickly. 
My wife and I are trying to buy a home and I do understand any hard pull can lower a credit score by a couple of points when a credit check is ran.

My previous inquiry with experian lowered my credit 10 points, I had no other inquiries on my credit at that particular point and time at all. Now after asking experian for an explanation, my credit was reduced drastically. 
I have talked with friends who have the same app and have learned a few of them have had the same or similar issue as well when they have made a complaint/inquiry and seen their credit decline. 
I am registering my complaint on this matter to other watch dog companies as well.

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 2021-08-10 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: NV

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation