vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I have an account with Equifax.com to monitor my credit report and score. Since XX/XX/2023 I am not able to see anything on my account with equifax.com. I can not see any of my credit accounts and I can't see my credit score even thou I am paying for a Equifax membership. I have called multiple times on XXXX and XXXX to have them fix this problem and they always tell me the will " escalate '' the issue. Yet, they do nothing about it. They were supposed to mail me a full credit report but I did not receive a full credit report only a score. The score that they mail me was different score than the score they reported to my mortgage lender who requested my information on XX/XX/2023. To my lender, they reported a different score than the score they mailed to me on the very same day. They are reporting the wrong information to my mortgage lender. When I try to access my account on equifax.com I am not able to see anything nor my score. Basically, they are not letting me have access to my credit report or score and they are reporting the wrong information and two different scores on the same day. This is affecting me in my ability to secure a loan and is costing me to have financial losses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CarMax, Inc.
State: IL

Complaint narrative:
I have had my credit pulled 32 times from a numerous amount of different companys without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Portfolio recovery, a debt collector keeps calling me multiple times a day every single day, when I block a number they call me from they call me from a different number. This has been going on for YEARS now. The debt started with XXXX XXXX, which I DID NOT take those credit cards out, my ex boyfriend did and ran them up {$4000.00} on each card. I contacted XXXX XXXX and explained it was fraud and they told me that there is nothing they can do I'm responsible for paying it, long story short they cut the debt in half, I paid around 55 % of the debt and I told them I am NOT paying anymore because I should of had to give them a cent in the first place. Now portfolio recovery will NOT stop harassing me! Something needs to be done or I will take legal action. Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NE

Complaint narrative:
I have a serious problem. I got a care credit account, the emergency vet reccomended when my dog was attacked, they said its great and interest free. then when paying my bill one month syncrony advertised i get a discount on my pets best monthly bill if i use my care credit on auto pay so of course, why not, trying to save money. I got a notification from the credit bereau that my card had significantly increased the balance which i thought was strange because have not used for a while and been making pmts of over 100 monthly so assumed i was almost getting close to having the balance to zero. Imagine my shock and horror when my balance is over XXXX and 90 % is interest charges. also, they periodically without warning delete auto pay from my account so they can then charge me a late fee. I would never in a XXXX years have used this service if i had known they would charge me interest, not even reasonable interest, they have every single time ive used this card still active and im monthly being charged for the full purchase even if only owe XXXX, there are like XXXX purchases that i owe less than a dollar but they then start putting pmts towards another charge so they can charge me for all of them? this is on a card that was sold to me while my dog was in serious bad shape and its supposed to be XXXX interest. i cant afford this, im gon na have to go bankrupt, this company syncrony has ruined me, every other acct i have is in good standing, XXXX issues and it feels like its got to be illegal, i know its immoral and terrible way to treat people. im at a loss, they give confusing, and conflicting info on the website. no way to even tell what charges are from where, for the past year the only charges are huge interest charges, XXXX $ per month on several occasions and no explanation. how can they do this on an interest free medical assistance card? its unfair, i would have never ever got this card if it wasnt pushed on me as no interest. sure as heck wouldn't have had a recurring charge made on this card for a discount, only to pay XXXX the discount in interest. its false advertising, fraud, extortion, how are they allowed to ruin poor people in this way? please 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 monetary relief
Consumer complaint received 2023-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are multiple accounts on my report that are outdated. Additionally, there are accounts that are in collections illegally showing a balance. I requested for these accounts to be investigated and deleted yet they have failed to do anything.

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 2023-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are multiple accounts on my report that are outdated. Additionally, there are accounts that are in collections illegally showing a balance. I requested for these accounts to be investigated and deleted yet they have failed to do anything.

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 2023-03-07 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
As an XXXX XXXX XXXX VETERAN, My Fair Credit Reporting act consumer rights have been violated. I am deeply concerned by the acts of these companies and how they have portrayed me with the constant violations reported on my credit report. It has brought great shame to me and my family. My life since coming back XXXX XXXX has been in shambles with the loss of family members, COVID, AND dealing with XXXX XXXX XXXX XXXX ( XXXX ). I am unable to live a regular life due to these acts. 


The account listed below has violated my federal given consumer rights to privacy amongst other things. 


Account name XXXX XXXX XXXX XXXX XXXX Account # XXXX Account name- XXXX XXXX Account XXXX XXXX Account name- XXXX XXXX XXXX  Account XXXX XXXX Account name- XXXX XXXX Account # XXXX Account name - XXXX Account # XXXX 15 USC 1681a ( 2 ) ( a ) ( i ) states that consumer reporting agencies can furnish a report under the following instructions : in accordance with the written instructions of the consumer to whom it relates. I never gave them written instructions to report the accounts listed above to my consumer report.

15 USC 1681 section 602 A ( 4 ) states I have the right to privacy. ( My privacy has been completely ignored as these companies contact me via phone, Email & mail in order to garner attention to these accounts Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermined public confidence with is essential to the continued function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to XXXX, XXXX, and XXXX violating my consumer rights by allowing these late payments/utilization/chargeoffs to report to 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 2023-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX  keeps trying to bill me for something I didnt have and I paid for the first month of the Sims card and its ridiculous. They were just want money so they just keep right on billing and they should be stopped for that and then they ruined my credit for the last four years because of it.

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 2023-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: OH

Complaint narrative:
When buying a car from XXXX they used a company called BridgeCrest for their financing. We had the car for a month but it was totaled in an accident on XX/XX/XXXX. Considering we had gap insurance, XXXX paid the loan total on XX/XX/XXXX and we were supposed to shop for a car within the month of the accident. Since then Bridgecrest has yet to report the loan as paid to the credit bureau and we are unable to apply for a new loan and another used car. leaving us completely in limbo waiting for an update. We call daily and their best advice is to keep calling until there is an update. it has now been over a month since our insurance company sent the check to them and we need to get this cleared so we can have a car again

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
To whom this may concern, I am writing this complaint to express my tremendous financial distress that I have been facing due to the car accident I had on XX/XX/2022. As a result of the accident, I have had to deal with various issues that have affected my health, finances, and credit score. Unfortunately, I have also been forced to deal with the consequences of the delinquencies on my auto loan and credit cards from XXXX XXXX XXXX, Capital One, XXXX XXXX, and XXXX. I am highly disappointed that XXXX XXXX XXXX failed to inform me of my outstanding auto loan balance, which resulted in delinquencies on my account. My XXXX XXXX Liability Adjuster/Claims Resolution Representative, XXXX XXXX XXXX XXXX me that I would have the option to add the remaining balance to my new auto loan once the claim was settled. However, I did not receive any notification to make a payment on the account to prevent any delinquencies from occurring. As a result, my credit score has been negatively affected, which has brought me further financial distress. Furthermore, Despite my efforts to stay current on my payments, my credit score has dropped from a XXXX to a XXXX, and I have had XXXX missed payments on my credit cards. My income has taken a massive hit since the accident, as my business has only generated {$8000.00} between now and XX/XX/2022, compared to the {$10000.00} a month gross income I was making before the accident. The back and neck soreness that I am experiencing has further added to my physical and financial burden. To make matters worse, I was not informed by my insurance company that I was supposed to show up to the arbitration hearing, which they later settled for 70 % leaning our way which I believed if I was there it would've been 100 %. I urge you to take my complaint seriously and to take the necessary steps to rectify this situation. I look forward to hearing back from you with a positive resolution. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-07 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: CA

Complaint narrative:
I sent a letter off on XX/XX/2023. Here is my tracking # XXXX. To remove personal information that I don't not want on my credit report. According to the fair credit report act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institute is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.

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 2023-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have previously contacted XXXX XXXX XXXX ( XXXX ) to file a billing error dispute reporting on my credit report. 

XXXX XXXX XXXX  ( XXXX ) has moved these erroneous late payments on my credit report causing my credit score to drop significantly.

These errors are not the same across the credit reporting bureaus, and have cost me denials on gaining any type of credit, I can not even refinance my home because of this. 
XXXX XXXX XXXX ( XXXX ) has violated my consumer rights! 

15 U.S.C. 1666b CORRECTION OF BILLING ERRORS - A CREDITOR MAY NOT TREAT A CREDIT ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.

15 U.S.C. 1681B PERMISSIBLE PURPOSE OF CONSUMER REPORTS- A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY

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 2023-03-07 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: MI

Complaint narrative:
I have accounts on my credit report that need to be looked into and removed from my credit profile. Please refer to attachments for further details on the issue on hand.

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 2023-03-07 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: GA

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 confidentiality under 15 USC 1681. 

XXXX XXXX  XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX 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 a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX 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 a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-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.

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 2023-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/23 Capital one removed my credit card from XXXX and my score dropped XXXX points the credit card is still active, in good standing and currently reporting on all other credit bureaus. I called XXXX on XX/XX/23 and they said I needed to contact capital one if I wanted it added back I then called capital one and they gave me intrusions on where to mail the request and what information to include in my letter I then sent the letter out that same day to capital one asking them to add my credit card back to my XXXX and I havent heard back about it I did a follow up call last week and no one could tell me anything I need this resolved swiftly

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: PA

Complaint narrative:
There is inaccurate personal information that is furnished on my credit report. I have reached out to the reporting agencies several times regarding this misinformation. I was told it would be removed. Different reporting agencies are reporting different mis information.

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 2023-03-07 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: PA

Complaint narrative:
There is inaccurate personal information that is furnished on my credit report. I have reached out to the reporting agencies several times regarding this misinformation. I was told it would be removed. Different reporting agencies are reporting different mis information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: VA

Complaint narrative:
Please be formally inform of the wrongly reported accounts I have indicated below. These accounts and inquiries are destroying my credit reputation. The account listed below are not mine. I have no idea why they were listed to my credit report. I surely believe that this is a FRAUD or either somebody with the similar name. This is my FTC Report Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Preston Clark & Quinn
State: LA

Complaint narrative:
Called on XX/XX/23 to myself and my sister stating I would be served papers. Upon calling back I was told I was being sued for an extremely old debt and after I attempted to tell them not to call my cell phone or my sister 's cell phone I was hung up on repeatedly.

Company response to consumer: Untimely response