vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-24 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MO

Complaint narrative:
I would like to have XXXX XXXX removed from all three credit reporting bureaus. Not only was this account opened due to my identity being compromised, but they have also opened duplicate accounts. I have submitted police reports and documents to support my claims, I have paid hundreds of dollars to credit companies to dispute these accounts. XXXX XXXX has not tried to resolve this issue I do not know who these credit reporting companies are. They have not verified this information. This erroneous reporting has caused my life to suffer a hardship. This is also a violation of FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Also Section 611 ( 5 ) ( A ) of FCRA they required to delete information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
I opened an account with FNB ( https : //www.fnb-online.com/ ) and funded my account with the required minimum. After opening the account, two issues arose : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Day 1 : The required minimum ( {$50.00} ) didn't show up in my account or as pending, which is fine, but I called support ( chat was also available but was taking a while to move up in line ). Prior to being able to access support, I was asked about a pin number that I hadn't set, somehow I got past it but I'm not really sure what I did. The CSR said I should have put the last 4 of my social in, but I wasn't directed to do so in the call, I think I hit XXXX # and just hoped it gave me an agent. I ended up asking the CSR about if my funds were showing up and she told me there was nothing pending and I'd have to resubmit the deposit. I went to link my bank and it said to check back in 1-2 business days after the small deposits were made to verify, which is also fine. The next day ( today ) I logged into my other bank to see that the {$50.00} was debited, so I'm not sure why the CSR didn't have access to that confirmation at all.

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Day 2 : I went to log into the account and was met with a form asking for the last 8 digits of my debit card, which of course I have not received since it's barely been 24 hours. I called the bank 's support and provided my SSN, DOB, Address, DL # in order to verify identity, which is another thing that is fine, but that's because I didn't have the account number or debit card # which is locked behind the bank 's login that I can't access one day after opening the account. The CSR today recommended I go to a branch and get a temporary card in order to log in, but that the closest branch is 30 miles outside of the city I live in, so they ended up recommending that I wait until the debit card gets here. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Both customer support reps were great and easy to talk to but it seems like there is a large communication issue at FNB and also too many hoops to jump through for things that other banks do not have issues with. The CSR I spoke to today ( Day 2 ) said I'm " definitely not the only person '' to have this issue and that my feedback about it being unreasonable would be passed along, though I doubt anything will be done if this is an ongoing issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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:
I have sent the credit reporting agencies the attached letters about unauthorized accounts on my credit report. The credit bureaus sent a letter denying disputes stating the accounts verified were mine but refuse to tell or show proof of verifications for each account. By law 15 U.S.C 1681 Law Violation this is not the correct way to handle complaints. I will like for all accounts to be removed in the dispute letter. Please remove and update my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24 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 sent the credit reporting agencies the attached letters about unauthorized accounts on my credit report. The credit bureaus sent a letter denying disputes stating the accounts verified were mine but refuse to tell or show proof of verifications for each account. By law 15 U.S.C 1681 Law Violation this is not the correct way to handle complaints. I will like for all accounts to be removed in the dispute letter. Please remove and update my account.

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 2023-08-24 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: FL

Complaint narrative:
TODAYS DATEXXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX Experian Dispute Department XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX 


I recently submitted a request for investigation of an Acct Number : DPEDNELNET XXXX DPEDNELNET XXXX DPEDNELNET XXXX DPEDNELNET XXXX DPEDNELNET XXXX DPEDNELNET XXXX DPEDNELNET XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: OneMain Finance Corporation
State: MO

Complaint narrative:
I would like to have One Main removed from all three credit reporting bureaus. Not only was this account opened due to my identity being compromised, but they have also opened duplicate accounts. I have submitted police reports and documents to support my claims, I have paid hundreds of dollars to credit companies to dispute these accounts. One Main has not tried to resolve this issue I do not know who these credit reporting companies are. They have not verified this information. This erroneous reporting has caused my life to suffer a hardship. This is also a violation of FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Also Section 611 ( 5 ) ( A ) of FCRA they required to delete information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
ERROR CODE BLNK THAT NEEDS TOO BE FIXED BECAUSE I DONT SEE 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 non-monetary relief
Consumer complaint received 2023-08-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
ERROR CODE BLNK THAT NEEDS TOO BE FIXED BECAUSE I DONT SEE MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My XXXX account number XXXX XXXX XXXX XXXX a late payment was reported for XX/XX/2023. This is incorrect. My account was not late and was current. My payments was misapplied by the merchant. I spoke to a XXXX representative on XX/XX/2023 regarding my account was told payments were current and that due to a return check was misapplied after I repaid. I was then told my payment but in time but the system in error reported a late payment. However, a late payment was reported on my credit reports, Transunion, XXXX and XXXX for XX/XX/2023. The account is and was not 30 days past due. Reviewing of the payment history is impossible to indicate my account is 30 days late. I called XXXX and was told by one customer service representative that this error will be corrected and they will report to credit bureaus my account is in good standing. However, I was told my another XXXX representative it was nothing they could do and I needed to call the needed to call the credit reporting bureaus. Transunion, XXXX and XXXX and I was told to contact the merchant directly, in which I had already done and was results from Transunion, XXXX and XXXX was that the merchant XXXX will not update to good standing and no late payment.

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 2023-08-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My XXXX  account number XXXX XXXX XXXX XXXX a late payment was reported for XX/XX/2023. This is incorrect. My account was not late and was current. My payments was misapplied by the merchant. I spoke to a XXXX representative on XX/XX/2023 regarding my account was told payments were current and that due to a return check was misapplied after I repaid. I was then told my payment but in time but the system in error reported a late payment. However, a late payment was reported on my credit reports, XXXX, XXXX and Equifax for XX/XX/2023. The account is and was not 30 days past due. Reviewing of the payment history is impossible to indicate my account is 30 days late. I called XXXX and was told by one customer service representative that this error will be corrected and they will report to credit bureaus my account is in good standing. However, I was told my another XXXX representative it was nothing they could do and I needed to call the needed to call the credit reporting bureaus. XXXX, XXXX and Equifax and I was told to contact the merchant directly, in which I had already done and was results from XXXX, XXXX and Equifax was that the merchant XXXX will not update to good standing and no late payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24 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: PA

Complaint narrative:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

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 2023-08-24 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: PA

Complaint narrative:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

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 2023-08-24 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: MI

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2, its also states a consumer reporting agency can not furnish an account without my written instructions under 15USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: TX

Complaint narrative:
I disputed the collection with the the collection agency my claim shows evidence of identity theft from a police report. Per Section 609 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), you are required by federal law to verify any and all accounts posted on my credit report, and only report accurate information. I request all verifiable proof you have on file for the listed following account with original documents/wet signatures and no screen shots. These delinquent account record is inaccurate. I request that the following account be promptly removed immediately off of my credit for XXXX XXXX {$2900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My credit score dropped, only with Experian. 
I had some delinquency on a credit card with XXXX XXXX from XXXX and student loan with Dept of Ed back XXXX XXXX. At that time, both accounts were reporting on my credit and I was penalized for the late payments. Essentially, my credit score dropped.

Since then, there has been no delinquency on those accounts.

They have been on my credit report since they were created. 

Luckily, I have a credit report for XXXX showing those accounts and the deliquency in the correct time period ( s ). This will be helpful with the problem I am having.

My credit score dropped earlier this month. I disputed the negative reporting. I spoke with the creditors and they mentioned they did not report any negative information.

Next, I disputed the new information since it was already reported on my credit. Experian came back saying everything is accurate.

When I called in, I was sent around in a transfer between representatives, saying the next person could help me.

I finally got to a manager. The manager said the accounts were not reporting on my credit before, and they are now which is why my credit score dropped.

I have proof that the accounts were showing on my credit report since I opened them.

It doesnt make sense that I am being penalized twice for the same thing.

They provided false information stating it wasn't on my credit and then finally reported this month. 

Please help. They wont take ownership or address the issue. I am being provided false information on my credit history. They have an issue on their side and I need help getting a resolution.

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 2023-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC
State: NJ

Complaint narrative:
A company called waypoint resource group is attempting to collect a balance from XXXX XXXX  that I paid over a year ago. They are also including junk fees in the amount of {$67.00}. 

I am having my credit threatened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Stellantis Financial Services US Corp.
State: OR

Complaint narrative:
I purchased a XXXX XXXX XXXX on XX/XX/XXXX from XXXX XXXX XXXX in XXXX, Ohio and was financed through First Investors. After struggling to pay the loan, and XXXX repossessions, the vehicle was eventually totaled and not reimbursable by XXXX leaving a balance of over {$17000.00}. The account was turned over to an attorney 's office who took me to court and we agreed to a reduced payment plan. I recently learned about XXXX protections and my husband is currently XXXX XXXX with the XXXX XXXX ( enlisted in XXXX ) and is also an XXXX XXXX. I sent a written request for XXXX benefits along with my husbands orders to First Investors, who denied the request stating that Ohio is not an exception state for the XXXX for spouses on XXXX XXXX and are not co-borrowers. I contacted them back since Ohio is a KP state and that per Ohio revised code 1343.031, XXXX benefits are required to be extended to spouses. Their compliance department reviewed my account and Ohio statutes and said my loan does not qualify and to refer to my original denial letter.

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 2023-08-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frost-Arnett Company
State: TX

Complaint narrative:
I request a thorough debt validation from XXXX XXXX after explaining to them that I paid XXXX XXXX the full amount and do not owe any debt. They did not send me any debt validation. From the attachment you will be able to review what was sent. They show XXXX line item of what they claim I owe, but they are unable to show my past charges and my pas payments that I made on the account. I also wanted the paper work that I signed at the office and they were unable to provide this. 

On the attachment from XXXX XXXX it shows a line item from XX/XX/2023, with a total due of {$85.00}. I have attached a bank statement from a payment that I made in their office on the day of my final office visit where I made a payment of {$340.00} on XX/XX/2023. This is a payment that came out automatically from my debit card. 

This is the main reason I wanted to get all of my past charges and payments from XXXX XXXX and XXXX XXXX before moving forward. I believe based on how it looks that they are double charging and have done so multiple times in the past. It looks as if they charged my insurance, then charged me, but did not put my payments in the books at all. This would be fraudulent. I would appreciate if they can send me an itemized list of all of my past payment history so I can audit and make sure everything lines up with my insurance and bank statements. 

To conclude what they sent me is not a debt validation, and you can review this from the attached document. I would like the original documents from XXXX XXXX so I can audit and verify the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: PA

Complaint narrative:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

Company response to consumer: Closed with non-monetary relief