vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX  is marking my payments as late when my account is currently frozen due to an existing lawsuit with the car dealership. The used car I purchased was illegally modified and would not pass a smog test, as well the engine gave out within a few weeks of purchase. I hired an attorney who named XXXX in the case as I am seeking to have the loan canceled and the car returned and the loan forgiven. Without warning XXXX froze my account due to the lawsuit. When I logged in to make a payment last XX/XX/2020 my online access showed that there were no active accounts/loans with XXXX. When I called I was told that my payments were frozen while in the lawsuit. About 10 months ago I checked my credit score and it had gone from Excellent to the high end of Fair. I realized XXXX had began marking my payments as missed. They never gave me any warning that they would be doing this. I tried contacting XXXX and was sent to their legal department, then was told my attorney would have to speak with theirs. 

XXXX  continues to mark my payments as late and my credit has diminished further. It is now Fair and recently dropped 126 points because of XXXX. Their attorneys have not resolved the issue and my attorney is still trying to settle my case. When I call XXXX the automatic system states that they are actively seeking payment from me, but when I attempt to speak to someone they give me no info or conflicting info. I still can not access my loan, I have not received a single statement, I do not receive emails from XXXX  other than marketing emails, and despite what their automatic system states I have not received a single phone call in regards to making a payment, and I have no way to make a payment to them. They are ruining my credit while I am in a lawsuit with them. I can not apply for a new car loan or a higher credit limit to improve my credit, or apply for an apartment because of my current credit shows over a year of missed payments. My credit would be flawless if it wasnt for XXXX XXXX up. 

I attempted to resolve this through all 3 credit agencies but it is still not resolved. XXXX  is disputing my claims.

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 2021-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I recently opened an account and I can't get online access. I have tried XXXX but no response. I have called and spent over 4 hours on hold and the one time someone did pick up they immediately hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Date of inquiry XX/XX/2021 XXXX  Date of inquiry XX/XX/2021 XXXX XXXX   XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: Kikoff Inc.
State: AZ

Complaint narrative:
Under 15 USC 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. 2 ) In accordance with the written instructions PER the consumer to whom it relates. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, never gave XXXX, XXXX, or XXXX written consent FROM MYSELF to report anything on my consumer report, No Consent is IDENTITY THEFT. Concerning the account listed below as a consumer I Am demanding a deletion of all account as it relates, Immediately. I, XXXX the executor, have a legal right and security interest, under federal law ( 49 USC 14301, UCC 9-317,12 CFR 1026.23 ) to cancel this transaction, only collecting the proceeds not assets, without any penalty or obligation from the above date or any later date on which all material disclosures required under the truth in lending act have been given to you.When canceling this transaction any lien or other security interest on my property arising from this transaction is automatically void. I am also entitled to receive all proceeds of which this account is owed. In addition These accounts have not been validated and must be removed pursuant to FDCPA, FCRA and Federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: MI

Complaint narrative:
Unauthorized use of my credit report. Reporting incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
company is reporting inaccurate information. They said all information was reported accurate on the XXXX. the account is paid for and closed and is still reporting negative.

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 2021-11-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
On XX/XX/2021 My account was placed in fraud status. This is due to the bank illegally obtaining my credit information and illegal down payment information. I was told by a representative that I can not make a payment on the is account unless its a certified check ie XXXX XXXX. My current independent bank is XXXX XXXX XXXX XXXX funds are supposedly not execrable. My credit card used to pay for the car in full was excepted. Ms. XXXX is under Ally Autos Financial and in Charger of the account.

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 2021-11-01 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have tried multiple time to send in disputes and call to dispute these accounts with no response. Please investigate and remove these inaccurate accounts 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 2021-11-01 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: Penn Credit Corporation
State: NY

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: MoneyLion Inc.
State: NY

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I'VE WRITTEN AND CALLED ALL THREE MAJOR CREDIT BUREAUS ABOUT THE INCORRCT PERSONAL INFORMATION ON MY CREDIT REPORT AND HAVE YET TO RECIEVE ANY REPONSE OR SEE CHANGES

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
Pursuant to XXXX XXXX XXXX - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. 2 ) In accordance with the written instructions per the consumer to whom it relates. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX never gave XXXX, XXXX, or XXXX written consent FROM MYSELF to report anything on my consumer report, No Consent is IDENTITY THEFT. Concerning the account listed below as a consumer I Am demanding a deletion of all account as it relates, Immediately. I, XXXX the executor, have a legal right and security interest, under federal law ( 49 USC 14301, UCC 9-317,12 CFR 1026.23 ) to cancel this transaction, only collecting the proceeds not assets, without any penalty or obligation from the above date or any later date on which all material disclosures required under the truth in lending act have been given to you.When canceling this transaction any lien or other security interest on my property arising from this transaction is automatically void. I am also entitled to receive all proceeds of which this account is owed. In addition These accounts have not been validated and must be removed pursuant to FDCPA, FCRA and Federal laws

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Medical Society Business Services, Inc.
State: AZ

Complaint narrative:
Pursuant to 15 USC 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. 2 ) In accordance with the written instructions per the consumer to whom it relates. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX never gave XXXX, XXXX, or XXXX written consent FROM MYSELF to report anything on my consumer report, No Consent is IDENTITY THEFT. Concerning the account listed below as a consumer I Am demanding a deletion of all account as it relates, Immediately. I, XXXX the executor, have a legal right and security interest, under federal law ( 49 USC 14301, UCC 9-317,12 CFR 1026.23 ) to cancel this transaction, only collecting the proceeds not assets, without any penalty or obligation from the above date or any later date on which all material disclosures required under the truth in lending act have been given to you.When canceling this transaction any lien or other security interest on my property arising from this transaction is automatically void. I am also entitled to receive all proceeds of which this account is owed. In addition These accounts have not been validated and must be removed pursuant to FDCPA, FCRA and Federal laws

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: FL

Complaint narrative:
On XX/XX/21 TransUnion was sent a correspondent with written instructions pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) to remove accounts and late payments from my consumer report. TransUnion failed to follow my specific written instructions when it came to my consumer report. Ive called several times to have the items removed and was not successful. On XX/XX/21 I sent TransUnion a notarized Affidavit of Truth in Support of Criminal Support explaining the violations they committed. I also attached my consumer report and labeled 11 adverse items pursuant to 15 U.S. Code 1681c ( a ) ( 5 ) that should have been excluded from my consumer report. I have not received and update on the written instructions that was provided to TransUnion nor did I receive and update on the adverse items that should have been excluded from my consumer 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 2021-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I'VE WRITTEN AND CALLED ALL THREE MAJOR CREDIT BUREAUS ABOUT THE INCORRCT PERSONAL INFORMATION ON MY CREDIT REPORT AND HAVE YET TO RECIEVE ANY REPONSE OR SEE CHANGES

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 2021-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I'VE WRITTEN AND CALLED ALL THREE MAJOR CREDIT BUREAUS ABOUT THE INCORRCT PERSONAL INFORMATION ON MY CREDIT REPORT AND HAVE YET TO RECIEVE ANY REPONSE OR SEE CHANGES

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 2021-11-01 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I have an account with CITI that was closed around XX/XX/2021. The card was a secured card with {$200.00} deposit that was charged to my bank account. After few months, CITI its reporting my account closed but delinquent, my account its not delinquent because i was using my own money as a deposit. I have called many times to CITI, and keep transferring my call around to other people. I can't resolve this issue with CITI.

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 2021-11-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
The payment was attempted online three times and failed on ( XX/XX/XXXX ) This payment was made while I was in XXXX battling XXXX and XXXX XXXX for {$250.00} leaving {$35.00}. I then attempted to pay the remainder with ( 3 ) different cards which all clearly had enough to cover the {$35.00} charge and all three were declined. 
I couldn't reach customer service until Monday as this was a Sunday. I was told it was nothing they could do. This company went on to report this {$35.00} partial payment as late to the credit bureau and charge me a {$66.00} late fee. I asked the customer service representative if they had any XXXX clauses in place to assist and did not. I made all attempts to make this payment. Their payment portal was not let me make the payment. I should have my credit file destroyed and be charged {$66.00} for a late fee for a {$35.00} partial payment. I had no idea what the misc fee {$25.00} is for

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Debt Recovery Solutions, LLC
State: AZ

Complaint narrative:
Pursuant to 15 USC 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. 2 ) In accordance with the written instructions per the consumer to whom it relates. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX never gave XXXX, XXXX, or XXXX written consent FROM MYSELF to report anything on my consumer report, No Consent is IDENTITY THEFT. Concerning the account listed below as a consumer I Am demanding a deletion of all account as it relates, Immediately. I, XXXX the executor, have a legal right and security interest, under federal law ( 49 USC 14301, UCC 9-317,12 CFR 1026.23 ) to cancel this transaction, only collecting the proceeds not assets, without any penalty or obligation from the above date or any later date on which all material disclosures required under the truth in lending act have been given to you.When canceling this transaction any lien or other security interest on my property arising from this transaction is automatically void. I am also entitled to receive all proceeds of which this account is owed. In addition These accounts have not been validated and must be removed pursuant to FDCPA, FCRA and Federal laws

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: PA

Complaint narrative:
After reviewing my credit report from, I have noticed that the report show fraudulent credit inquiries that I did not authorize. XXXX CARD SERVICES Inquiry : XXXX XXXX, XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX, XXXX Inquiry : XXXX. XXXX, XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX, XXXX Inquiry : XXXX. XXXX, XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX, XXXX Inquiry : XXXX. XXXX, XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, and XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Please investigate and remove these fraudulent inquiries as quickly as possible. If you come across any evidence that counters my claim, please send me a copy. 

Thank you for your diligence in looking into this issue.

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 2021-11-01 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: I.C. System, Inc.
State: NY

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results

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 2021-11-01 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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:
I have some negative reporting on my report from credit cards. But now the collection agencys have also placed negative information on report also! So for every card there is double negative reporting! Im being double slammed on everything! Its like reporting it twice! There are 4 derogatory credit card items but there is also 4 derogatory collection reports for same item!! How can they negatively report twice for same accounts?? Its ridiculous!

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