vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-08 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
It is showing on experian that I have a {$110.00} dollar debt through my XXXX bill in actual fact I have a {$250.00} dollar credit on my XXXX XXXX The boost program they have also is showing that I don't have 3 payments on one of my streaming services as when I updated my cards it took off the XXXX account which I have benn paying for over 6 months and was connected before I updated everything. I've tried reaching out to them about this but they keep making excuses.

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 2023-04-08 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Thank you for taking time to read this letter. Im writing because I noticed that my most recent credit report contains a 30 day late payment from ( APPLE/GSBANK ) I understand my financial obligations and I never intended to miss a payment. I have been unable to access my XXXX ( XXXX ) since XX/XX/2021. The reason why is because I changed my phone number, so I didnt have access to XXXX XXXX XXXX in order to pass the authentication process ( 4-digit code they send for verification ). This led to me being locked out the account. I spoke to a rep a few months ago when I disputed the charges and explained that Im locked out of that old account. She processed the dispute, and I thought I was good to move on from there, but the dispute result didnt come back in my favor. The results were sent to that old email and its no way I could have ever known. I gave the rep my updated mailing address and phone number but still she sent it to that XXXX after me telling her I couldn't gain access to it. This morning I received the devastating news that I had 30-day late notice on all my credit reports and it's tearing me to pieces. I paid off the total amount within hours of receiving the news. I worked very hard to get my credit to where it's at now and I was a month away from trying to purchase my dream home. I have always been in good standing with this company maintaining a XXXX balance for months before this situation occurred. I even had plans to re-apply with Goldman Sachs under my current apple id. It has never been my intentions to miss any payments. I simply just wasnt aware that i had one. I truly believe that this 30day late payment doesnt reflect my creditworthiness and commitment to repaying my debts. I have also enclosed a copy of my XXXX contract in which you will see that the activation of my phone number was in XX/XX/2021, therefore proving that I have not had access to my old phone number XXXX since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 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: TX

Complaint narrative:
PLEAS DELETE ALL WRONG NAMES AND ADRESS ON ALL OF THE CREDIT COMPANY AND IN CORRECT NAMES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 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: TX

Complaint narrative:
PLEAS DELETE ALL WRONG NAMES AND ADRESS ON ALL OF THE CREDIT COMPANY AND IN CORRECT NAMES.

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 2023-04-08 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: CA

Complaint narrative:
Pursuant to the Fair Credit Reporting Act, it is EXPERIAN 's duty to be reporting correct and accurate information on my credit report and file- however, they are NOT. EXPERIAN is reporting inaccurate late payments for the XXXX/ DEPT OF ED account ending in XXXX. This includes the reporting of 90 days late on XX/XX/2018. This is incorrect and are supposed to be reporting as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes the inaccurate late payments resulting in EXPERIAN violating my federally protected consumer rights. To add to this, I did NOT give EXPERIAN written instruction/ permission to furnish these inaccurate late payments on my consumer report, violating 15 U.S.C . 1681b ( a ) ( 2 ). It is VERY clear that EXPERIAN has violated my federally protected consumer rights and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

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 2023-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: DC

Complaint narrative:
I was fasley misled into a loan contract on XX/XX/ by credit acceptance and car XXXX auto dealer. I was told by the car dealer as well as a representative from credit acceptance that I had a additional XXXX mile warranty coverage after the dealer warranty expires. I called today to find out that isn't true. I was told today by a credit acceptance rep that the warranty expires afer XXXX miles or 24 months whichever comes first. I was never told this. I was told I had a additional XXXX miles coverage by both credit acceptance and the dealer. Which is why i agreed. I previously had transmission issues with my last car and this additional coverage would be great to have. I was given paperwork from credit acceptance stating my warranty will begin at XXXX miles. Being told its nothing they can do about it is disheartening. My interest rate is high at 22.99 %, I paid almost 2 times over the original price of my car. I was asked if i wanted to change my pmt date. I agreed and then was being charged late fees due to not paying on original loan date. Even though my autopay was set up for the XXXX of each month. I found out this recently. I paid my car note and I received a repossession letter. Credit acceptance has put me in a real financial bind. The contract was not explained properly and hyped. I feel taken advantage of.

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 2023-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase froze and then closed all my accounts without notice in XXXX of 2023. I had been a customer for 4+ years. They would not say a reason other than compliance flagged my account. It was extremely stressful and time consuming to change my accounts. Since all my accounts were frozen I couldnt pay any of my bills until I moved to another bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 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: AmerAssist A/R Solutions, Inc.
State: NY

Complaint narrative:
I settled with Amerasisst AR Solutions in XX/XX/2022, which the understanding this was be reported on my credit report as " resolved '' with a XXXX-balance, but now they have reported this settlement as a Public Record on my credit report, with my credit score plummeting, AND reported as a Collection/Charge-Off. My understanding is XXXX can only report Bankruptcies as Public Record, not settlements. AND that companies can not double-report both as a charge-off and a public record. 

In this instance, settling with the company has not increased my credit score, it has made a significant drop in my credit score by actually settling a debt with a company. This is unfair and counter to logic..and it certainly doesn't encourage me to settle debts/accounts in the future if it will only make my credit score lower.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 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: TX

Complaint narrative:
PLEASE DELETE THE ADRESS XXXX XXXX XXXX XXXX TEXAS AND ANY OTHER XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS.
AND PLEASE DELETE ALL OLD NAME EXCEPT XXXX XXXX XXXX OR XXXX XXXX XXXX
THANK YOU...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-08 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: CA

Complaint narrative:
According to the Fair Credit Reporting Act, it is EQUIFAX 's duty to report CORRECT and ACCURATE information on my credit report and file. However, they are NOT. EQUIFAX is reporting inaccurate late payments for the XXXX/ DEPT OF ED account ending in XXXX. This includes the reporting of 120+ days past due on XX/XX/2018, XX/XX/2018, XX/XX/2018. Theses are INCORRECT and are supposed to be reporting as PAID AS AGREED. Moreover, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a " transaction ''. Therefore, the reporting of the inaccurate late payments results in EQUIFAX violating my federally protected consumer rights. To add to this, I did NOT give EQUIFAX written instruction/ permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C . 1681b ( a ) ( 2 ). It is VERY clear that EQUIFAX has violated my federally protected consumer rights and the reporting of the inaccurate late payments is causing me and my reputation severe harm and discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 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: GA

Complaint narrative:
I've sent 2 letters to Experian and XXXX XXXX asking what's the name of the company that's reporting an inaccurate bankruptcy to my credit report, and i keep getting the same reply, ( The company that reported the information has certified the information is accurate ) .If they can't verify the company, that means they're reporting 100 % inaccurate information, which needs to me removed 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 2023-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
We been paying our monthly payments and even though I told them if they can put the rest at the back end as ares like most banks do but they wouldnt

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 2023-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: NY

Complaint narrative:
I received a pre paid card in my name that I did NOT request, want or consent to receive.

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 2023-04-08 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: CA

Complaint narrative:
Pursuant to the FCRA, it is EQUIFAX 's duty to report CORRECT and ACCURATE information on my credit report and file. However, they are NOT. EQUIFAX is reporting inaccurate late payments for the XXXX XXXX XXXX account ending in XXXX. These inaccurate late payments include the reporting of 120+ days past due on XXXX XXXX, and XX/XX/. This is INCORRECT and is supposed to be reporting as PAID AS AGREED. Moreover, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ) of the FCRA, a consumer report does NOT contain information or experiences between the consumer and the person making the report. A late payment constitutes a " transaction ''. Therefore, the reporting of the inaccurate late payments results in EQUIFAX violating my federally protected consumer rights. Furthermore, I did NOT give EQUIFAX written instruction/ permission to furnish these inaccurate late payments on my report and file, violating 15 U.S.C . 1681b ( a ) ( 2 ). It is VERY clear that EQUIFAX has violated my federally protected consumer rights under the FCRA and the reporting of the inaccurate late payments is causing me and my reputation severe harm and discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
FOCUS RECEIVABLES MANAGEMENT HAS PLACED A FRAUDULENT ACCOUNT ON MY CREDIT REPORT. THIS ACCOUNT IS CURRENTLY REPORTING TO XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 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: EQUIFAX, INC.
State: IN

Complaint narrative:
In accordance with the fair credit reporting act XX/XX/XXXX # XXXX XXXX XXXXXXXX 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 602 A section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 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: IN

Complaint narrative:
In accordance with the fair credit reporting act XXXX  # XXXX XXXX XXXX co 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 602 A section 2 ; it also states 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 non-monetary relief
Consumer complaint received 2023-04-08 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: LEXISNEXIS
State: GA

Complaint narrative:
LexisNexis continues to use unfair and deceptive practices. I've been contacting them since 2022 in reference to them continuing to report inaccurate information. They continue to be reckless and noncompliant even after I have notified them of their grave errors. They have not exercised their grave responsibility with fairness, impartiality and respect for my right to privacy. They have not used reasonable procedures to make sure the information they are reporting is accurate. They never properly verified any information they reported. They have been unfair and biases to me as consumer and continue to have no regards to the Federal Laws. I'm consistently being denied credit, because of the inaccurate information they are providing. They are hindering me from providing from my family. They are continuing to cause me economical and emotional distress. No one deem me credit or insurance worthy. 
Delete the following information for it is incorrect! 
Case # XXXX -Identification records : XXXX -Online Marketing Record : XXXX -Insurance Records : XXXX -Dept of Drivers Services Record : Second Record XXXX -Inquires : ALL XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-08 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: CA

Complaint narrative:
According to the Fair Credit Reporting Act, it is TRANSUNION 's duty to report CORRECT and ACCURATE information on my credit report and file. However, they are NOT. TRANSUNION is reporting inaccurate late payments for the XXXX/ DEPT OF ED account ending in XXXX. This includes the reporting of 120 days past due on XX/XX/2018. This is INCORRECT and is supposed to be reporting as PAID AS AGREED. Moreover, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a " transaction ''. Therefore, the reporting of the inaccurate late payments results in TRANSUNION also violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written instruction/ permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C . 1681b ( a ) ( 2 ). It is VERY clear that TRANSUNION has violated my federally protected consumer rights and the reporting of the inaccurate late payments is causing me and my reputation severe harm and discrimination.

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 2023-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was hired to do a painting job and the person who hired me offered to pay up front. They said they would send me a check for the amount do including extra to send to a paint supplier. I received the check in the mail took it to my local chase bank branch and deposited the check. The funds were made available within twenty four hours and everything seemed to check out. Once the funds were available I sent the money requested via XXXX To the third party paint supplier. The check then bounced and my account was debited, I am now negative almost XXXX XXXX dollars and I can not afford food gas or rent. My bank has offered no solutions and has come to the conclusion that I am at fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 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: MO

Complaint narrative:
XX/XX/. I have call three times to bring attention to my credit score decreasing by XXXX points. Each time I was only given excuses and the customer service representative would only justify the decrease. I make all of my payments on time! I have no collects and no late payments. 
The only reason they could give me is that I have high balances. The balances are going down with my on time payments. Again my score should be increasing, not having the opposite affect. 
I have taken great responsibility for improving my credit and to see this negative impact, is flabergasting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I file complaint number. XXXX on XXXX XX/XX/XXXX Capital One payment investigation has repeatedly ignored complaint and keep answer with same rip-off vocabulary. Last letter dated XXXX XX/XX/XXXX indicated that that on XX/XX/XXXX and XXXX XX/XX/XXXX the payment was posted correctly. 
The problem is that that they have ignore the real complaint that is fail to post my payment for {$3000.00} as per copy of Electronic Fund Transfer Report from XXXX XXXX XXXX dated XX/XX/XXXX. 
On there letter dated XX/XX/XXXX, payment Investigation claim to have not hear from me with documentation requested, it is not truth, in fact they ask for Electronic Fund Transfer Report from my bank, I send it in a certify letter on XXXX XX/XX/XXXX. 
How ever they chose to ignore it. 
I am requesting Consumer Financial Protection Bureau to sanction Capital One for abuse customer. And requesting Capital One executive to fire the Payment investigation personal responsible. 
I am demanding Capital One to correct posting of my payment dated XX/XX/XXXX and reimburse my account for the interest charge since then. 
XXXX sending additional certify letter to capital One, Capital executive office, and other consumer protection agencies.

Company response to consumer: Closed with explanation