vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-24 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: IL

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. This is the item I demanding to be deleted immediately :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: Mercedes Benz Financial Services
State: CA

Complaint narrative:
In XX/XX/XXXX I have purchased a Mercedes vehicle and the finance company was Mercedes Financial Services. As of my last payment which was in XXXX of XXXX I never had any single late payments on my account. In XXXX of XXXX I decided to pay off my vehicle loan. Suddenly I have noticed that my credit score has dropped because Mercedes Financial has reported a repossession to the credit bureaus. I have contacted the bureaus and also Mercedes Financial but they could not fixed that error. Now Mercedes Financial Services informed me that it is an error but they can not fix it because the account is already closed. My credit scores came down for XXXX XXXX. My credit scores are suffering because of their error reporting and I am in a middle of purchasing a property. I have attached copy of my identification document and copy of the letter from Mercedes Financial Services about my last payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc.
State: CA

Complaint narrative:
On XX/XX/22 I changed bank accounts and its linked to my old bank account Ive done a support ticket and posted on social media to discover hundreds of others have same problem. Ive responded to the ticket several times and still today my old banks connected and my perfect payment history is now 90 % on time and my credit profile is 30 years thick. 

Late fees and interest charges should be credited I typically take home $ XXXX per week. I also have a credit line with the other bank that would of allowed me to pay this off but they only allow what available balance is in checking account to be paid. So I was forced to make dozens of small payments because they take over a week to withdrawal

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
I had 3 accounts opened in my former name @ TD Bank. I am still getting statements and overdraft statements. I received 2 certified letters for the first 2 accounts and I thank you, and would like to try to get the last accounts closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24 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: UPGRADE, INC.
State: NJ

Complaint narrative:
This is a credit card or line of credit and it moves my utilization to 102 % which is highly negative because they don't show the limit. I've provided the attached from Upgrade and they continue to state that it reports properly. I currently have a limit of {$8300.00} ( which XXXX reports as {$0.00} ) and utilization of {$7500.00}. This wrong reporting seriously damages my credit score. 



Account info Account name UPGRADE INC Account number XXXX Account type XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Status Open/Never late. 
Status updated XX/XX/XXXX Balance {$8300.00} Balance updated XX/XX/XXXX Recent payment $ XXXX Monthly payment {$460.00} Credit limit - Highest balance {$9000.00} Terms 1 Months

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: TN

Complaint narrative:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. Please provide the Bill Of Sale or original loan documents. I have not received this information Per Section 623 ( a ) ( 3 ) I believe my right are currently being violated and this is also a violation of the FCRA. I have reported the theft of my identity to the Federal Trade Commission. Please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24 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: TX

Complaint narrative:
Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24 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: TX

Complaint narrative:
Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
After years and years of paying interest fees to Capital One, I was finally able to paid off my credit card. However, Capital One still decided to keep charging me for interest fees for a balance that was paid in two billing cycles XXXX thru XX/XX/2022. I was hit with {$14.00} for interest charges for XXXX statement that was paid in full. 

I called Capital One 's customer svc I spoke to a lady named XXXX in XXXX, AZ but she hung up. I called again and spoke to a lady named XXXX in XXXX. I requested to be transfer to a supervisor in the U.S and I've got XXXX in VA. The supervisor refused to credit me back the interest charges because, she said there was nothing else she could do. She provided me with the Capital One po box for their corporate office.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe
State: NC

Complaint narrative:
The expected interest rate of the loan was to be expected at 23  %. The company sent me the loan terms after they deposited the funds into my account and had the interest rate set at 767.5 %, and they are now trying to withdraw about {$530.00} per month from my checking account for 21 months totalling {$5300.00} repayment on a {$1000.00} note.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: TX

Complaint narrative:
Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: TX

Complaint narrative:
15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

It is past the 4 days and no action has taken. When I call I'm told to keep waiting

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: NC

Complaint narrative:
On XX/XX/2022 I mailed in a letter requesting the deletion of several accounts that were inaccurately reporting to my credit. The company did not give an update regarding the investigation. The company also refused to properly update and validate the disputed accounts. In addition to the above, I requested the removal of ALL credit inquiries reporting to my credit that are NOT tied to an open account and the company has not cooperated in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
For the second time within a 1 year 3 mo this company XXXX XXXX has opened up a line of credit. This time an amount of XXXX was used at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dates of the transaction are XXXX XXXX. The statement for the account goes from XXXX XXXX to XX/XX/2022. The account number that has been opened with XXXX XXXX is XXXX XXXX XXXX XXXX. XXXX XXXX XXXX is XXXX. I have also tried to reach out to XXXX XXXX and no one is available. 
I have flagged accounts through the FTC, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Knight Adjustment Bureau
State: UT

Complaint narrative:
I was contacted by a debt collector to get a payment for my account but then they were also trying to get me to pay for a different debt which wasn't even for me. The agency didn't give me any information on what they were collecting. They were getting upset because I was asking questions, I was only trying to figure out what was going on. I also would ask them to explain some of the words he was using as I am not familiar with them, it would only upset the man on the phone. Then after I had bombarded him with questions he looked into it and found out that account wasn't even mine! I didn't even get an apology for it, if I wouldn't have asked I would have been scammed into paying someone else 's debt. I not only think this was fairly inappropriate but also violates XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: VA

Complaint narrative:
XXXX XXXX  Bankruptcy reference # XXXX has inaccurate reference numbers, inaccurate court locations, inaccurate date filled/reported on all three credit bureaus making information invalided

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: VA

Complaint narrative:
XXXX XXXX Bankruptcy reference # XXXX has inaccurate reference numbers, inaccurate court locations, inaccurate date filled/reported on all three credit bureaus making information invalided

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: MD

Complaint narrative:
Experian, XXXX and XXXX have not processed my dispute in the last 50 days. They are now in violation of several different FCRA codes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I have contacted XXXX, XXXX and Equifax SEVERAL TIMES THE PAST WEEK asking them to remove ALL fraud alerts and to remove ALL personal statements. I need all 3 companies ( XXXX, Equifax, XXXX ) to remove ALL personal statements and ALL fraud alerts. I did not authorize these!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
LOANS THROUGH AFFIRM SHOWING ON XXXX CREDIT REPORT. 
XXXX, XXXX, AND XXXX. I HAVE A PRIOR DISPUTE THROUGH CFPB AND AFFIRMS RESPONSE WAS TO FILE AFIDAVIT WHICH I DID THROUGH THIER WEBSITE FOR ALL THREE LOANS. ON XX/XX/10 DAY OF SUBMISSION I RECIEVED 3 AUTOGENERATED EMAILS STATING THEY TAKE THESE MATTERS SERIOUSLY AND HAVE YET TO HAVE A RESPONSE. I ALSO WROTE BACK ASKING FOR A RESPONSE AND I HAVE NOT HEARD ANYTHING. I FILED ADDITIONAL FEEDBACK TO BE PUBLISHED ON THE GOVERNEMENT WEBSITE FOR THE LAST COMPLAINT. I WOULD LIKE TO HEAR AFFIRMS RESPONSE TO THIS MATTER AS THEY HAVE NOT YET ADDRESSED THIS ISSUE AND IT HAS BEEN GOING ON 6 MONTHS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: GA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: NY

Complaint narrative:
EXPERIAN WOULD NORMALLY SEND ME REPORTS AFTER THEY INVESTIGATED ITEMS IN DISPUTE. HOWEVER, I HAVE NOT RECEIVED ANY REPORTS NOR AM I SURE IF THEY HAVE ACTUALLY CONDUCTED AN INVESTIGATION INTO SAID MATTERS. THE LAST TIME I GOT A REPORT FROM EXPERIAN WAS XX/XX/2022. ITS IMPOSSIBLE TO GET TO GET TO ANYONE There AS I HAVE TRIED TO CALL. ON THE ONE OCCASION, I GOT THRU TO SOMEONE. I WAS TOLD THEY NO LONGER MAIL REPORTS TO ANYONE.

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