vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
My FICO score dramatically decreased due to credit acceptance Corp reporting 30 days past due on my account. Their system reflects I paid XXXX payment XX/XX/20 when in fact it was paid XX/XX/20 at XXXX XXXX eastern time. I disputed with credit bureau and made numerous attempts to reach them to attempt a goodwill deletion to no avail. The payment was not more than 30 days due to the pandemic I tried my best to pay on time and in the 45 months thus far with my loan I have never been late. I have 7 months left and asked them to please resolve this as I consider myself a good customer they simply added a natural disaster code on my report which did absolutely nothing for my score. I believe my payment did not reach the new billing cycle and their reporting is not correct and based on my payment history they should work with me. I will have paid them XXXX for a car that was only XXXX due to high interest rates however I never complained and have always paid them every month and not they will not help me in a time where the whole country is struggling.

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 2020-07-13 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: FL

Complaint narrative:
THE DISPUTED ACCOUNTS AND INQUIRIES HAVE BEEN CASUING SERIOUS DAMAGE TO MY CREDIT REPORT AND I AM NOT LIABLE TO THOSE REPORTING. THEY ARE INACCURATELT PLACED ON MY CREDIT FILE AND HAVE BEEN REPORTING FALSE TRANSACTIONS. I AM REQUESTING IMMEDIATE REMOVAL OF THOSE DEROGATORY MARKS AND INQUIRIES THAT HAVE CAUSED MY REPORT TO BE MEDIOCRE. PLEASE INVESTIGATE THIS MATTER AND HAVE THOSE REMOVED.

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 2020-07-13 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: FL

Complaint narrative:
THE DISPUTED ACCOUNTS AND INQUIRIES HAVE BEEN CASUING SERIOUS DAMAGE TO MY CREDIT REPORT AND I AM NOT LIABLE TO THOSE REPORTING. THEY ARE INACCURATELT PLACED ON MY CREDIT FILE AND HAVE BEEN REPORTING FALSE TRANSACTIONS. I AM REQUESTING IMMEDIATE REMOVAL OF THOSE DEROGATORY MARKS AND INQUIRIES THAT HAVE CAUSED MY REPORT TO BE MEDIOCRE. PLEASE INVESTIGATE THIS MATTER AND HAVE THOSE REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
The credit reporting time limit has expired and Transworld Sytems Inc., has illegally re-aged the account. My disputed credit report reflects that the account was opened on XX/XX/XXXX. 

The actual date of first delinquency is approximately XX/XX/XXXX. The last date of activity on the account is approximately XX/XX/XXXX. 

XXXXXXXX XXXX XXXX is the original debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: FL

Complaint narrative:
THE DISPUTED ACCOUNTS AND INQUIRIES HAVE BEEN CASUING SERIOUS DAMAGE TO MY CREDIT REPORT AND I AM NOT LIABLE TO THOSE REPORTING. THEY ARE INACCURATELT PLACED ON MY CREDIT FILE AND HAVE BEEN REPORTING FALSE TRANSACTIONS. I AM REQUESTING IMMEDIATE REMOVAL OF THOSE DEROGATORY MARKS AND INQUIRIES THAT HAVE CAUSED MY REPORT TO BE MEDIOCRE. PLEASE INVESTIGATE THIS MATTER AND HAVE THOSE REMOVED. PLEASE KEEP IN MIND THAT THOSE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME.

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 2020-07-13 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: FL

Complaint narrative:
THE DISPUTED ACCOUNTS AND INQUIRIES HAVE BEEN CASUING SERIOUS DAMAGE TO MY CREDIT REPORT AND I AM NOT LIABLE TO THOSE REPORTING. THEY ARE INACCURATELT PLACED ON MY CREDIT FILE AND HAVE BEEN REPORTING FALSE TRANSACTIONS. I AM REQUESTING IMMEDIATE REMOVAL OF THOSE DEROGATORY MARKS AND INQUIRIES THAT HAVE CAUSED MY REPORT TO BE MEDIOCRE. PLEASE INVESTIGATE THIS MATTER AND HAVE THOSE REMOVED. PLEASE KEEP IN MIND THAT THOSE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME.

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 2020-07-13 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: FL

Complaint narrative:
THE DISPUTED ACCOUNTS AND INQUIRIES HAVE BEEN CASUING SERIOUS DAMAGE TO MY CREDIT REPORT AND I AM NOT LIABLE TO THOSE REPORTING. THEY ARE INACCURATELT PLACED ON MY CREDIT FILE AND HAVE BEEN REPORTING FALSE TRANSACTIONS. I AM REQUESTING IMMEDIATE REMOVAL OF THOSE DEROGATORY MARKS AND INQUIRIES THAT HAVE CAUSED MY REPORT TO BE MEDIOCRE. PLEASE INVESTIGATE THIS MATTER AND HAVE THOSE REMOVED. PLEASE KEEP IN MIND THAT THOSE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I wrote TransUnion on XX/XX/XXXX about accounts that are reporting inaccurate on my credit profile, TransUnion has failed to reply in 30 days or update the information correctly on 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 2020-07-13 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: N26 Inc.
State: MA

Complaint narrative:
DATES : XX/XX/2020 AMOUNT : {$40.00}, {$78.00} the company charged me incorrectly by writing external bank refund charges

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: NY

Complaint narrative:
I wrote Experian on XX/XX/XXXX about accounts that are reporting incorrectly on my credit report. They failed to respond within in 30 days of my letter or update my accounts correctly.

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 2020-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
After reviewing my credit report I found inaccurate information on Equifax. I wrote them on XX/XX/XXXX, they have failed to respond or update my account accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Loan Servicing Company : NationStar Mortgage-Mr. Cooper are withholding Property Damage Insurance Proceed checks for needed repairs on home. 

Property Damage Insurance Proceed checks that NationStar Mortgage-Mr. Cooper are refusing to endorse over, NEVER made a single insurance premium. 

As a matter of fact our mortgage company is XXXX XXXX   XXXX, where in we did a refinance $ XXXX back in XXXX. 

NationStar Mortgage recorded as Assignee ( Loan Servicing Company ) against our property in the form of a Lien on XX/XX/XXXX, which put NationStar Mortgage in 4th position. 

According to the Secretary of State of California, in year XXXX NationStar Mortgage LLC, was not authorized to conduct business as a Foreign company in California, until XX/XX/XXXX. 

With NationStar Mortgage LLC recording in 4th position as Assignee and unsecured Lien-holder, effective on XX/XX/XXXX and not authorized to conduct Foreign business in California, until XX/XX/XXXX, NationStar Mortgage LLC, is in an unsecured position and has no rights to withhold our Property Damage Insurance Proceed Checks, that need Endorsement by NationStar ... so that we can proceed with property damage needed repairs. 

Honorable CFPB much help on the above issue would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: SC

Complaint narrative:
I have sent multiple disputes to the credit bureau giving them information on why the auto loan with XXXX XXXX XXXX  XXXX is incorrect on my credit report. The account was opened with the lender in XXXX of XXXX. Our last payment was mad eon the account before the end of XXXX. We have asked them to investigate. We believe that the lender reaged the account to show a payment in XXXX to keep this account on our credit report for longer than normal. This account has been marked as charged off as well but there is constantly showing an outstanding balance of over {$20000.00} on the account. It has caused us much strain since when our credit report is pulled the inaccurate information is shown. I would like this account removed and the credit bureau sanctioned for not properly investigating customer disputes. The last time that we paid taxes on the vehicle was at the beginning of XXXX for tax year XXXX. If we had the vehicle past then, we would have been forced to make additional tax payments to keep the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: MN

Complaint narrative:
I have 2 XXXX XXXX XXXX  accounts listed on my Equifax credit report. Thats inaccurate information listed on my credit report. I only have 1 account with XXXX XXXX XXXX, not 2 accounts, and I have a {$0.00} balance. The following credit inquiry is fraudulent and unauthorized : XXXX XXXX/XXXX, XX/XX/2020, I have never had a missed payment with XXXX XXXX XXXX. All of my payments has been on time with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
There is 3 fraudulent and unauthorized checking accounts listed on my Chex Systems Consumer ID Report : XXXX, The following Reported Information of account abuse or bad checking accounts are not my accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX. I never opened a checking account with those banks. The checking account are fraudulent, unauthorized and not my accounts. I am a victim of identity and Chex Systems currently has a police report on file.

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 2020-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
We had the opportunity to open a Capital One Spark Business Credit Card when we launched our business, given a {$500.00} credit line in 2017, we've never been late and have always paid on time. Every time I request a credit line increase we got denied for silly reasons like " Monthly Payment Too Low '' however with a small credit line we can't spend much and pay off the balance. We would charge small amounts to not affect the cards utilization rate. 

Now nearly 3 years later, I was approved for a credit line increase for only {$100.00}!! That's sad and disappointing, we make nearly {$200000.00} in business revenue and spend over {$50000.00} on supplies every year. We can't charge ANYTHING to that card because of it's low limit! 

Capital One sees our personal credit is great along with business credit, if they don't have access to our DUNS number I can provide it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I had a customer on Paypal and he paid me on Paypal then I shipped him his item. 
After that he opened a " not as described '' dispute on XX/XX/2020 Case ID XXXX and {$5400.00}. 
after a long story we ( buyer and me ) came to an agreement. 

Buyer called his financial institution ( XXXX  XXXX ) and closed the case my favor ( seller favor ), So in order to make sure that he is telling the truth I called to XXXX  XXXX myself and they told me the case has been closed in my favor and Paypal has been notified since XX/XX/XXXX. today is XX/XX/2020 I contacted paypal so many times and they say they have not gotten any update. 

I'm sure paypal isn't honest with me and it's keeping my money illegally

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-13 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: MN

Complaint narrative:
The following credit inquiry listed on my Experian credit report is fraudulent and unauthorized : United States Small Business Administration Federal Government, XX/XX/2020. The credit inquiry is fraudulent and unauthorized.

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 2020-07-13 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:
Systemic institutional racism has, and continues to rear it's ulgy head, again!!! 

XXXX has erroneously inaccurately reported my account number XXXX as 90 day late which is incorrect for 2 reason : 1 ). I am/have NOT been 90 days late, or in fact EVER 30 days or more late making my monthly payment. 2 ). Due to the current pandemic I have been under a 90 day forbearance agreement that started in XXXX XXXX, 2020, to XXXX XXXX2020, and has been extended a additional 2 months. 

Also, per the recorded legal verbal consent from the XXXX representative I was clearly informed that there would be NO late payments, nor late fee assessments reported to the credit reporting agencies! 

In addition I have NEVER been contacted, nor notified to arrange any repayment plan, loan modification, or extension of the forbearance plan arrangement.

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 2020-07-13 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:
Systemic institutional racism has, and continues to rear it's ulgy head, again!!! 

XXXX has erroneously inaccurately reported my account number XXXX as 90 day late which is incorrect for 2 reason : 1 ). I am/have NOT been 90 days late, or in fact EVER 30 days or more late making my monthly payment. 2 ). Due to the current pandemic I have been under a 90 day forbearance agreement that started in XXXX XXXX, 2020, to XXXX XXXX2020, and has been extended a additional 2 months. 

Also, per the recorded legal verbal consent from the XXXX representative I was clearly informed that there would be NO late payments, nor late fee assessments reported to the credit reporting agencies! 

In addition I have NEVER been contacted, nor notified to arrange any repayment plan, loan modification, or extension of the forbearance plan arrangement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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:
Systemic institutional racism has, and continues to rear it's ulgy head, again!!! 

XXXX has erroneously inaccurately reported my account number XXXX as 90 day late which is incorrect for 2 reason : 1 ). I am/have NOT been 90 days late, or in fact EVER 30 days or more late making my monthly payment. 2 ). Due to the current pandemic I have been under a 90 day forbearance agreement that started in XX/XX/2020, to XXXX XXXX2020, and has been extended a additional 2 months. 

Also, per the recorded legal verbal consent from the XXXX representative I was clearly informed that there would be NO late payments, nor late fee assessments reported to the credit reporting agencies! 

In addition I have NEVER been contacted, nor notified to arrange any repayment plan, loan modification, or extension of the forbearance plan arrangement.

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 2020-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc.
State: NJ

Complaint narrative:
Need link my account with cash app and XXXX is preventing me from doing so

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank is AGAIN, following it's XXXX status quo history of continuing it's negligent business practice of systemic institutional racism. They have AGAIn for the 2nd time this year erroneously inaccurately report my account number XXXX 60 days late.I have NEVER paid my mortgage account 30, or more days late!!! 

In addition, all this despite the attached documented legal forbearance agreement that I was extended, and agreed too from the date of XX/XX/XXXX2020 to XX/XX/XXXX 2020 3 months still in existence, and Chase Bank having sold the loan per the attached XX/XX/XXXX20 letter notification documentation to XXXX XXXX XXXX XXXX XXXX as of XX/XX/XXXX20, per Also, per the legal forbearance agreement it was/is CLEARLY stated that NO late payments, or late payment charges would be reported to the credit reporting agencies. Which is again, is evident of Chase 's status quo systemic institutional XXXX business practice wrongly attempting to damage, and suppress my credit worthiness, and employment viability with the erroneous inaccurate late payment reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
A Balance on the credit card which I paid off before the due date had accumilated interest fees on the account without my knowledge. I didnt use the card for months or log in online, then XXXX  notified me the bank had reported a late payment on my credit report. I then called costumer service and they removed the interest fee but told me Id have to contact Excutive about the late payment report. Ive wrote them over a month now and theyve never respond. I paid the balance off before the due date so there shouldnt be any interest or payments on my credit report.

Company response to consumer: Closed with explanation