vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-23 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: AZ

Complaint narrative:
Company has refused to remove inaccurate information regarding late payments on my account as well as inquiries I did not authorize. I submitted the letters from the creditors advising the late payments being reported are inaccurate and to update them to pays as agreed on time and the credit reporting agency has failed to investigate and remove the inaccurate late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Company has refused to remove inaccurate information regarding late payments on my account as well as inquiries I did not authorize. I submitted the letters from the creditors advising the late payments being reported are inaccurate and to update them to pays as agreed on time and the credit reporting agency has failed to investigate and remove the inaccurate late payments

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 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Company failed to investigate a late payment reporting inaccurately on my credit report I open the investigation they close it the next day as accurate Ive included a letter from the creditor and they still refuse to remove the 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 explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Company failed to investigate a late payment reporting inaccurately on my credit report I open the investigation they close it the next day as accurate Ive included a letter from the creditor and they still refuse to remove the 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 explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Company failed to investigate a late payment reporting inaccurately on my credit report I open the investigation they close it the next day as accurate Ive included a letter from the creditor and they still refuse to remove the late payment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
TransUnion is reporting different information and the credit scores are extremely different. This is also a violation of the Fair Credit Report Act. Each credit reporting agency has a responsibility to report accurate information. Also, XXXX is reporting my actual monthly payment that I pay to several of the creditors. This is a violation of the Privacy Act of 1974. The payments are not matter of Public Record and should not be published as a part of the report. ( Please see attached ) In accordance with 15 USC 1692 C ( b ) without prior consent of the consumer, a debt collector MAY NOT communicate about the collection of a debt with any person other than the consumer, and by providing my credit information to anyone inquiring, other than the originator, which you have done, you are in violation. And the originator has this information therefore there is no reason for you to publish it. 

My Credit Report has a lot of Promotional Inquires. My information is reported on XXXX XXXX, XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX 15 USC 1681e states. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violation of section 1681c of this title and to limit the furnishing of consumer reports lists under section 1681b of this title. ( Please see credit reports )

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 2023-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Dynamic Recovery Solutions, LLC
State: FL

Complaint narrative:
On Thursday XX/XX/18. I received a notification from my XXXX credit report that there was a collection filed against me by dynamic recovery solutions for the amount of {$800.00}. I have no knowledge of the debt nor have I received any paperwork stating owed the debt prior to the collection being posted on my credit report. I had reached out to dynamic recovery solutions in an attempt to verify what the debt was for. The company was supposed to get back to me 48 hours later with proof of the debt. However, I have not seen any communication on the debt. They did not produce the documents to support that I had owed the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch
State: AZ

Complaint narrative:
I got a car from XXXX XXXX and only had it a few months.Its way over priced buy here pay here.I put {$1600.00} down XXXX  over 100 miles on it.I pay every two weeks to loan company.Pay extra for warranty that I can't use.My car is not running good., It's financed for over $ XXXX have been trying for months to get it in to be repaired. The two shops they use are backed up more than 15 days.My 30 day warranty ran out thst the car lot uses.So now I have to go thru finance company 's repair service. I have been trying to get someone to repair my car but no luck. I'm not behind I'm paying more than, {$400.00} every two weeks.My loan has been voided in my eyes. I am very serious about taking this to court.I ve emailed and spoke with both parties involved. I was told I can drop the car off and it will be 15 days before they can get to it.This is my transportation to and from work.Its not running good its gon na be parked.I want all my money back and my loan voided.They work together and I'm a consumer that have been treated unfairly and I don't want to have any dealings with either parties.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rihgts to privacy and confidentiality under 15 USC 1681. 
Account names : XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX XXXX  {$900.00} XX/XX/XXXX has violated my right. ( XXXX XXXX XXXX XXXX XXXX XXXX  of the United States of America at the time the account was opened. I am a XXXX 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 an 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 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 non-monetary relief
Consumer complaint received 2023-05-23 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:
I did NOT authorize anyone to use my account, Please remove this inaccurate account. 
See the documents attached. I am urging you to take action on these inaccurate and fraudulent accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
LVNV Funding LLC flagged my account XXXX XXXX for a debt amount {$2100.00} that I have no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
The company is harassing me and my family. We have tried to work with them and they will not give us any grace. They call over 5x a day and we told them we can not pay the amount they need and they continue to threaten to send us to collections. This is a horrible company and the loan that started out at XXXX is now well over XXXX. Terrible. And they have no grace for military members.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I have had numerous problems with TD Bank. They constantly lie. This time, I have my flood insurance escrowed with my mortgage. So TD Bank is supposed to pay it. I received a letter from my insurance company stating my policy had expired for lack of payment. Of course I call my insurance company and they state nothing was paid. I call TD bank and they lie and say no we paid it. I asked for proof, a Check number, what date was it paid? They said oh we have a copy of your policy and we will send to you. Still not providing any proof pf payment. I call my insurance back and they firmly state the bank never paid. I call TD Bank again and they say oh it was paid with a bulk check. I again asked for proof and they refused to provide any. I wait a few days and call my insurance company, they said they talked with TD Bank and they informed them that they never paid. WHY CONSTANTLY LIE TO ME. MY POLICY WILL EXPIRE BECAUSE OF THEIR NEGLIGENCE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXXXXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. State 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 wriiten instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 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: LA

Complaint narrative:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect 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 non-monetary relief
Consumer complaint received 2023-05-23 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: NY

Complaint narrative:
Equifax and XXXX furnished my credit report without my consent and I tried contacting them and they do not know who I am, I gave them my social name and old address, my XXXX XXXX is still showing charge offs, they took my identity and furnished a credit report without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 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: CA

Complaint narrative:
Data reported by agency is not accurate and/or outdated, which is greatly impacting my credit score.

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 2023-05-23 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:
Please remove this erroneous account from my credit report as it is not mine and I did not authorize anyone to use it. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 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: IL

Complaint narrative:
Please remove this erroneous account from my credit report as it is not mine and I did not authorize anyone to use it. I have attached the necessary documents to support my claim.

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 2023-05-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Meridian Financial Services, Inc.
State: VA

Complaint narrative:
It is also important that each financial institution, creditor or anyone providing information to the credit agencies only report information that is accurate, without prejudice or malice. I am the victim of a Collections Agency, Meridian Financial Service reporting false/incorrect information to the credit bureau as follows : Account Payment Status Collection/Charge off : Original Lender XXXX XXXX XXXX XXXX and the Highest Balance {$580.00}. This was totally false information. I disputed the matter and wrote a letter to XXXX XXXX general manager. Meridans actions were arbitrary and capricious and Meridian knew the information was false prior to submitting it. ( See attached 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 explanation
Consumer complaint received 2023-05-23 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:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX and distress, and I am pleading with you to remove them immediately.

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 2023-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: NY

Complaint narrative:
on XX/XX/23 I filed a dispute with my bank for non receipt of merchandise " Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Debit - Non-Receipt of Goods or Services Date Error Reported : XXXX Claim Amount : {$350.00} : my dispute was denied even though I never received the product, the product is clothing from a company called XXXX, the package was supposed to have a signature required, which my signature isn't on the package, chime denied my dispute saying that the package was delivered which in all reality the package never was delivered, chime has not been any help with helping me get my money back from this company, I bank with chime as my primary bank and they should treat customers with more care. this is all of the money I had in the bank at the time and I was buying clothing for my children. I need help getting my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 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: GA

Complaint narrative:
THESE ACCOUNTS ARE REPORTING INACCURATELY ON MY CONSUMER REPORT. 

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. ) XXXX XXXX XXXX XXXXXXXX Pursuant to the FCRA & the FDCPA I respectfully request for full accounting and disclosure to be provided as proof of these alleged items, specifically the original contract and application, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. ADDITIONALLY, This information is entirely or partly inaccurate and incomplete, and as such represents a very serious error in your reporting that is causing damage to my reputation. If you fail to delete or report any and all accounts accurately and completely, I WILL FILE FOR LITIGATION.

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 2023-05-23 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: GA

Complaint narrative:
THESE ACCOUNTS ARE REPORTING INACCURATELY ON MY CONSUMER REPORT. 

XXXX. ) XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to the FCRA & the FDCPA I respectfully request for full accounting and disclosure to be provided as proof of these alleged items, specifically the original contract and application, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. ADDITIONALLY, This information is entirely or partly inaccurate and incomplete, and as such represents a very serious error in your reporting that is causing damage to my reputation. If you fail to delete or report any and all accounts accurately and completely, I WILL FILE FOR LITIGATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There are some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXXXXXX XXXX on XX/XX/XXXX and XX/XX/XXXX ; XXXX XXXX Bank tried on XXXX ; XXXX tried on XX/XX/XXXX and they pulled my credit on XX/XX/XXXX ; The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home.

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