vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-06 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: MS

Complaint narrative:
I disputed late payment statuses being reported to the the CRAs by XXXX XXXX XXXX XXXX XXXX. I disputed with the creditors AND the CRAs by written letter on XX/XX/23, XX/XX/23, & XX/XX/23, and also electronically with the CFPB on date. I believe these account are STILL inaccurately reporting these late payments even after my numerous attempts to ensure the information on my report is being properly furnished. 

These accounts were marked verified by the creditor and bureaus. I was notified of results by letter and CFPB complaint results. 

Upon checking my recent credit report, I noticed something very alarming that needs to be brought to attention. Under the FCRA, I am entitled to accurate reporting at all times. 

On my most recent report, I am showing that both XXXX and XXXX XXXX have these accounts ' dispute statuses as " Account not Disputed, and are still reporting inaccuracies across bureaus. This is a very concerning inaccuracy as both companies and the bureaus stated they launched an investigation. 

I don't believe these accounts were properly investigated and verified. I no longer want another investigation. As a result of this improper investigation & my numerous attempts to ensure my information is being reported properly, I demand for these late payments be deleted promptly. These have been a hinderance, are inaccurate, and it is clear that these companies have not been complying to the FCRA laws as they are legally obliged to. They are untrustworthy even with my dispute processes to allow them to fix their errors. 

The CRAs are willingly furnishing inaccurate information following investigations. They are allowing these companies to be in non-compliance right along with themselves. They need to be held accountable. Please have this information removed immediately under the FCRA. Please send an updated report following these updates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-06 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: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidenitiality under 15 USC 1681 sec.602 A, states, I have the right to privacy.

15 USC 1681 sec. 604 sec. 2, states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) States, no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more then seven years.

15 USC 1681 sec. 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency, if the person knows or has reasonable cause to believe that the information is inaccurate. 
Account name : XXXX XXXX, Account no. XXXX, Account name : XXXX XXXX XXXX, Account no. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
There are fees that were not discussed before the contract. All my rights were waved once I signed the contract. Full disclosure was not provided. 

XXXX XXXX report was filed on XX/XX/2023. report number : XXXX we are filing this due to unconscionability of contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES. PLEASE BLOCK AND REMOVE IT. 
XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX  Date of Inquiry XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX of Inquiry XXXX XXXX XXXX Date of InquirXXXX XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX  Date of InquirXXXX XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-06 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX & # XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a 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 2023-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
ON XXXX CREDIT CONTROL SERVICES INC. DBA CREDIT COLLECTION SERVICES INC. CALLED ME TO MY PHONE NUMBER XXXX AND FAILED TO GIVE ME THEIR LEGAL NAME. IT IS UNDISPUTED A DEBT COLLECTOR MUST GIVE OUT THEIR LEGAL NAME WHEN REQUESTED FROM THE CONSUMER RECEIVING SUCH COLLECTION CALLS. THEY WERE DECEPTIVE AND MISLEADING WHEN THEY FAILED TO GIVE ME THEIR ENTITY 'S LEGAL NAME WHEN THEY ATTEMPTED TO COLLECT A DEBT IN THE PHONE CALL THEY PLACED TO ME. I DISPUTE THIS DEBT AND DEMAND THEY INVESTIGATE MY DISPUTE AND SEND ME RESULTS OF THE DISPUTE WITHIN 30 DAYS ARE REQUIRED BY TFC 392.302 ( E ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I have 22 unauthorized inquiries on my equifax credit report I filed a ftc report I mailed letters to equifax Ive called equifax so now Im making a complaint I have my rights as a consumer my ftc report has a list of all hard inquiries By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I understand that under 15 U.S.C. Sec. 1681i ( a ),

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-06 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: Affirm Holdings, Inc
State: MD

Complaint narrative:
Hello, I'm writing this to see if XXXX  XXXX and affirm inc can remove a missed Payment that occurred on XXXX of XXXX. At the time I was working as a waiter/cook in a restaurant. Due to covid at the time I was laid off and could not get another job because Maryland was on a emergency shut down. Any job deemed not essential was shut down so I was forced to switch job trade to constructions since it was one of the few job deemed essential. As soon I stared working I paid off my credit card balance and have not missed a payment since. I have tried many time to dispute the late payments online since the missed payment was due to a naturally declared disaster and many people was affected I could not do anything because of the shut down. Can XXXX XXXX please help me remove this blemish on my credit report, it has affected me by limiting my credit score and hindering me from getting loans for houses and a personal loans. I would like to see this missed payment removed. I hope you understand that the circumstance I was put under was out of my control at the time. Thank you so much for your understandin

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
So XX/XX/XXXX I was told from bank America they are closing my account due to bank discretion and they have the right to not explain the reason why I have checking and bussiness account I was stole they were closing the accounts XX/XX/XXXX right and Im not able to access any funds from any account I had put multiple hardships in because I do own a bussiness and need to pay out payroll how ever every hardship has been denied talking to account closure has been a headache for me every rep have something different to say and highly rude about helping the customer myself I feel like I have been racially profiled and now they are holding my funds the last time I spoke with account closure was XX/XX/2023 and was told that bussiness account has been closed since XX/XX/2023 but the back office hasnt issued a check yet I want to know why are they holding my funds and keep making all these different excuses on to why I cant have access to my funds how ever they officially closed my personal account XX/XX/XXXX but now my bussiness and savings is still on stand still with no answers but to be told to keep calling and checking the status I asked if back office has email or number where they can be reached regarding this and I was told no I just have to wait please help. I feel as if they just doing this process on purpose because I am XXXX bussiness women who own a XXXX XXXX its not fair and I have to keep letting my employees know to be patient that they will receive funds once Bank of America fully close my account which they are taking there time on

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 2023-08-06 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
In accordance with the fair credit reporting act, the creditor Truist Bank has violated my rights with respect to reporting part of an installment loan payment as " 30 days late ''. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 Section 604a section 2 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 explanation
Consumer complaint received 2023-08-06 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: MA

Complaint narrative:
In XXXX of 2022 I was behind on a few payments through XXXX. I paid any past due balance and the current month total and I continued as usual with my automatic payments. My car was not repossessed. I kept making payments on time and thought nothing of it. Several months later there was a charge off on my account and my credit tanked. It has ruined my life as well as my husband who is the co-borrower because we can not obtain a student loan for my child due to this being considered an adverse event. As you can see from the attached statements that XXXX sends me every single month, the status is " CURRENT '' and my balance due continues to decrease. I know XXXX is being sued for very similar deceptive practices in other states. How is it they're able to benefit by slapping me with a charge off and getting this as a tax write off AND simultaneously getting my payments monthly and telling me I'm current and on time and essentially nothing is wrong? I still own and pay for my car.

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 2023-08-06 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: MA

Complaint narrative:
In XXXX of 2022 I was behind on a few payments through XXXX. I paid any past due balance and the current month total and I continued as usual with my automatic payments. My car was not repossessed. I kept making payments on time and thought nothing of it. Several months later there was a charge off on my account and my credit tanked. It has ruined my life as well as my husband who is the co-borrower because we can not obtain a student loan for my child due to this being considered an adverse event. As you can see from the attached statements that XXXX sends me every single month, the status is " CURRENT '' and my balance due continues to decrease. I know XXXX is being sued for very similar deceptive practices in other states. How is it they're able to benefit by slapping me with a charge off and getting this as a tax write off AND simultaneously getting my payments monthly and telling me I'm current and on time and essentially nothing is wrong? I still own and pay for my car.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: SC

Complaint narrative:
I GOT MY XXXX XXXX FROM US AUTO SALES IN XXXX SC IN XXXX. I MADE PAYMENTS REGULARLY AND ON TIME. WHEN I WAS LATE ON A PAY MENT WHICH WAS NEVER MORE THAN 7 DAYS I HAD TO FIND OTHER MEANS FOR TRANSPORTATION. SOMETIMES THIS INCLUDED ME STAYING OUT OF WORK BECAUSE MY CAR WAS DISABLED BY A TRACKER THAT THEY TOLD ME WOULD HELP IN CASE OF THIEFT. THEY WOULD DISABLE MY CAR AND IT WOULD REMAIN DISABLED UNTIL I MADE A PAYMENT. ONE DAY I MADE A PAYMENT THEY STARTED MY CAR AND THE VERY NEXT DAY IT WAS DISABLED AGAIN AND I WAS TO MAKE ANOTHER PAYMENT BEFORE I COULD DRIVE THE CAR AGAIN. I WAS FORCED TO MAKE OTHER ARRANGEMENTS THOUGHOUT THE WEEK. 

I WAS DOUBLE BILLED FOR CPI EVEN THOUGH I PROVIDED PROOF OF INSURANCE FOR THEM THEY STILL CHARGED ME FOR INSURANCE AND AN INTREST FEE THAT MY PAYMENTS WENT TOWARDS INSTEAD OF MY FINANCE CHARGES AND GAP COVERAGE

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 2023-08-06 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am writing to formally file a complaint against Experian regarding the presence of inaccurate information on my credit report. On XX/XX/2023, I initiated communication with Experian to address and rectify the inaccuracies detailed below. However, as of the current date, I have not received any response or resolution from Experian. The following outlines the specifics of the disputed account and the necessary corrective measures : Account Information : Account Number : XXXX Date Opened : XX/XX/2023 Balance : {$3100.00} Original Creditor : COLLECTION I am asserting that the account linked to the account number XXXX, established on XX/XX/2023, and associated with the original creditor COLLECTION, does not belong to me. Consequently, I am requesting that Experian promptly eliminates this inaccurate account 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 2023-08-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Bepensa Capital, Inc.
State: GA

Complaint narrative:
I was defrauded by both the dealer and credito real usa and all persons that represent these companies. When i learn that ii was been defrauded XXXX of XXXX  i asked that the contract be voided i wanted out of it. Cerdito real usa assured me that i had nothing to worry about, they would get to the bottom of it, guaranteed me that my credit would not be affected. I have contacted them giving them ample time to respond. i never received calls back to resolve only for payments. i have been threated, accused of lying, yelled at among other manipulative practices

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 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: TX

Complaint narrative:
I got a copy of my credit report some time ago and realized the credit bureuas are reporting 2 accounts as late that was never late. These late payments are causing me severe financial and mental stress as I have not been able to get approved for a mortgage now. Delete the late payments from my consumer report, this agency is in violation of 15 USC 1681 : XXXX XXXX XXXX Account Number : XXXX I WAS NEVER LATE ON THIS ACCOUNT XXXX Account Number : XXXX I was never late on these accounts. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this you must delete these alleged late payments from my credit report per usc 15 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposeDelete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

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 2023-08-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc.
State: AZ

Complaint narrative:
Ended up in XXXX XXXX in Oregon in XXXX. They started billing me in XXXX, but they never billed my insurance company. I contacted them XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, they never billed ins, with each request. On XX/XX/23, I received a Final Notice letter. I contacted a lawyer on XX/XX/23. A letter was sent requesting they send me an itemized statement and bill my insurance. XXXX XXXX  did not respond. XX/XX/XXXX received a debt collector letter. I responded on XX/XX/23 that I disputed the debt because insurance hadn't been billed, nor had they responded to the attorneys request. 
On XX/XX/XXXX I received a phone call from the collection agency asking how I was going to pay this debt, again I told them XXXX XXXX had not completed their obligation to bill my insurance and I was told this would be going against my credit. 
XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Collection : CMRE Financial Services XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX & # XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a 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 2023-08-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX & # XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief